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Welcome Benefits :- 

• Taj Experiences Signature Dining Voucher with cumulative spends of ₹15 lakhs in the first 6 months.

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Rewards & Benefits :- 

Movie & Dining

Get up to Rs. 750 discount on movie/non-movie bookings via BookMyShow

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Rewards Rate

3 Reward Points on every Rs. 100 spent offline and 6 RPs on every Rs. 100 spent online

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

Unlimited Railway Lounge Access Across India

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Domestic Lounge Access

Unlimited Domestic Lounge Access (Primary and Add-On Cardholders)

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International Lounge Access

Unlimited International Lounge Access (Primary and Add-On Cardholders)

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Fees & Charges :- 

Spend-Based Waiver

NA

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

Zero

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Interest Rates

0.99% Per Month and 9% Annually

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Fuel Surcharge

1% fuel surcharge waiver on all fuel purchases

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Cash Advance Charges

Zero Charges Across the Globe

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Product Details :- 

• Invite-only credit card.

• You earn Karma Points that you can use for charity.

• Get up to 10x reward Points on your spends.

• Get up to Rs. 750 discount on movies twice every month.

• Get complimentary golf rounds every year on the basis of your monthly spends.

• Free domestic as well as international lounge access.

• Air accident cover worth Rs. 1 Crore.

• No late payment fee and no over-limit charges.

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Pros/Cons :-

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Pros

• With the IDFC First Private Credit Card, individuals can contribute to society through the donation of Karma Points to charity.

• One can easily make rental payments with this card without having to worry about any surcharge and even earn rewards for the same.

Cons

• Even though the card provides a lot of facilities to its users, the reward rate is not so good. Each reward point has a value of 0.25 rupees.