IDFC FIRST Bank FIRST Private

Lounge access

• Present the IDFC FIRST DreamFolks card at reception of airport lounges in India, overseas and spa centres.
• For lounges requiring a pre-book, call 1800-1234-109 or send an email.

Verified · FIRST Private product page · 2026-07-30 · source

Forex markup

Nil (0%) markup on foreign currency transactions and Dynamic & Static Currency Conversion transactions.

Verified · Most Important Terms & Conditions (MITC) - Consumer Cards (effective 18th June 2026) · 2026-07-30 · source

Interest-free period

• Interest-free (grace) period shall not exceed 45 days, varying by transaction and statement date.
• Not applicable if previous month's statement balance is not cleared in full by the due date.

Verified · Most Important Terms & Conditions (MITC) - Consumer Cards (effective 18th June 2026) · 2026-07-30 · source

Charge

• FIRST Private Credit Card charges (MITC effective 18th June 2026): Late payment charges: Nil.
• Over-limit charges: Nil.
• Foreign currency markup / Dynamic & Static Currency Conversion: Nil.
• Cash advance transaction fee: ₹199.
• Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount, minimum ₹500.
• Card replacement fee: ₹4,000.
• Reward Redemption Fee: ₹99 per redemption transaction.
• Fee on cash payment at branches: Nil.
• Outstation cheque processing fee: Nil.
• Duplicate statement request: Nil.
• Cheque/Cash processing fee: Nil.
• Charge slip request: Nil.
• Rent & Property Management Fee, Utility Surcharge, Fuel Fee, Education Payment Fee, Passenger Railways Transaction Fee and Tolls & Bridges Transaction Fee: Not applicable on FIRST Private.
• GST presently 18% on all fees, interest and other charges.

Verified · Most Important Terms & Conditions (MITC) - Consumer Cards (effective 18th June 2026) · 2026-07-30 · source

Fuel surcharge waiver

1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000, with No Capping on the maximum waiver per statement cycle.

Verified · Most Important Terms & Conditions (MITC) - Consumer Cards (effective 18th June 2026) · 2026-07-30 · source

Milestone benefit

• BookMyShow offer: Get ₹750 off on movies, non-movies & food combos, twice in a month.
• (Threshold not stated on official source.).

Verified · FIRST Private product page · 2026-07-30 · source

Redemption value

Reward Redemption Fee: ₹99 per redemption transaction.

Verified · Most Important Terms & Conditions (MITC) - Consumer Cards (effective 18th June 2026) · 2026-07-30 · source

Reward exclusion

Minimum Rent and Property Management fee of ₹249, Utility Surcharge, Fuel Fee, Education Payment Fee, Passenger Railways Transaction Fee & Tolls and Bridges Transaction Fee are not applicable on the FIRST Private Credit Card.

Verified · Most Important Terms & Conditions (MITC) - Consumer Cards (effective 18th June 2026) · 2026-07-30 · source

Hotel benefit

Taj (Milestone Benefits, effective 17th): benefits when visiting any Taj property, including 25% off on F&B (Dine-in & Take-away, maximum 10 pax) all year-round.

Verified · FIRST Private product page · 2026-07-30 · source

Official terms

https://www.idfcfirst.bank.in/credit-card/FIRSTPrivateCreditCard.

Verified · FIRST Private product page · 2026-07-30 · source