Fees
Annual feeINR 12,500 + GST
Joining feeINR 12,500 + GST
Renewal feeINR 12,500 + GST (waived on INR 10,00,000 annual spend in preceding year)
Fee waiverINR 10,00,000 annual spend in preceding membership year
Spend waiverINR 10,00,000
Interest rateDynamic APR (varies by credit profile); standard range 2.99–3.49% per month for premium clients
Late paymentAs per IDFC FIRST Bank schedule of charges (premium card rates)
Forex markup0% (zero forex markup on all international transactions)
Cash advance2.5% of amount or INR 500, whichever is higher
Rewards & cashback
Accelerated rate50 RP per INR 150 on hotel bookings via IDFC FIRST Bank app Travel & Shop section (33.33% effective return). 25 RP per INR 150 on flight bookings via IDFC FIRST app (16.67% effective return). Cap on travel accelerated earning — refer IDFC FIRST T&Cs.
Cashback capAccelerated hotel/flight earning capped per billing cycle — refer IDFC FIRST T&Cs. Base 5X/3X/1X tiers uncapped.
Redemption options1 RP = INR 1 for flights and hotels booked via IDFC FIRST Bank Mobile App (Travel & Shop section). 1 RP = INR 0.25 for gift vouchers, merchandise, products, Pay with Points. Statement credit also available (at INR 0.25 rate). Minimum redemption threshold applies.
Welcome bonus12,500 Reward Points on payment of joining fee (= INR 12,500 at travel redemption — effectively offsets joining fee). 25% discount (up to INR 75,000) on select 5-star hotel bookings via IDFC FIRST Bank app on spending INR 1,00,000 within 60 days of card generation (one-time; not applicable on reapplication).
Travel & lounge
Domestic lounge4 complimentary domestic lounge visits per calendar quarter (including 1 guest visit) — 16 domestic visits + 4 guest visits per year. Access via Visa Infinite lounge network.
International lounge4 complimentary international lounge visits per calendar quarter — 16 international visits per year. Access via Visa Infinite network at Priority Pass/Dragonpass partner lounges.
Lifestyle
Fuel surchargeNo fuel surcharge waiver (premium card focused on travel and lifestyle, not fuel).
Special offersJoining benefit: 12,500 RP (= INR 12,500 for travel) offsets joining fee. Additional first-year benefit: 25% off (up to INR 75,000) on 5-star hotel via IDFC FIRST app on INR 1L spend within 60 days. Annual fee waived on INR 10L spend in preceding year.
Additional benefitsZero forex markup on all international transactions. Interest-free global ATM cash withdrawals (up to 45 days credit-free period); INR 199 + GST per withdrawal transaction. 1 complimentary international airport Meet & Greet service on achieving USD 1,000 international annual spend. Trip cancellation insurance: INR 50,000 cover on non-refundable flight and hotel bookings. Golf: complimentary rounds per quarter. 300+ brand discounts. Complimentary dining privileges at partner restaurants. Invite-only — exclusively for IDFC FIRST Private Banking customers with strong banking relationship.
Digital & security
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