IDFC First Private Credit Card

Wouldn’t you love to get a credit card that is available to only a few selected customers of a respective bank? That would make you special, right? So, let us look at the IDFC First Private Credit Card, which is an invite-only card. You can already get the idea as to how special a credit card this is. Let us dive in deep into the IDFC First Private Credit Card and see what the features of this credit card are.

Fees and Charges

• Rewards Fee Fun: When you want to use your rewards, you only need to pay a small fee of Rs. 99 plus taxes, which makes it super easy and affordable to get cool stuff with your “IDFC First Private Credit Card”!
• No Extra Cost for Foreign Stuff: If you ever decide to buy something from another country, you won’t have to worry about paying any extra fees, which is really awesome when using your “IDFC First Private Credit Card”!
• Super Low Interest: If you can’t pay back all the money you owe right away, the interest rate is super low at just 0.99% each month or 9% for the whole year, so it won’t cost you too much with your “IDFC First Private Credit Card”!
• Fuel Surcharge Waiver Wow: Every time you buy fuel, you’ll get 1% of your money back because of the fuel surcharge waiver, which means you save a little every time you fill up your tank with your “IDFC First Private Credit Card”!
• Cash Advance No Charges: If you ever need to take out cash from an ATM, you can do it anywhere in the world without having to pay any extra charges, which is super helpful with your “IDFC First Private Credit Card”!

IDFC First Private Credit Card Details

• Special Invite-Only Card: The “IDFC First Private Credit Card” is super special because you can only get it if you’re invited, so it’s like being part of a cool club!
• Karma Points for Good Deeds: When you use your card, you earn Karma Points that you can give to charity, which means you’re helping others just by spending!
• 10x Rewards Points Wow: You can earn up to 10 times more reward points when you spend money, so you get even more cool stuff faster with your “IDFC First Private Credit Card”!
• Movie Discount Deal: Every month, you can get up to Rs. 750 off on movie tickets, and you can do this twice, making movie nights super fun and cheaper!
• Free Golf Rounds: If you love playing golf, you get free golf rounds every year based on how much you spend with your card, so you can enjoy some fun games!
• Lounge Access Everywhere: You get to relax in lounges at airports, both in India and around the world, for free whenever you travel with your “IDFC First Private Credit Card”!
• Big Air Accident Cover: Your card gives you a super huge air accident cover worth Rs. 1 crore, so you’re really protected when you fly.
• No Late Fees or Extra Charges: Even if you’re late on a payment or go over your limit, you don’t have to worry because there are no late fees or extra charges with the “IDFC First Private Credit Card!”

Advantages and Disadvantages of IDFC First Private Credit Card

Advantages

• Help Others with Karma Points: With the “IDFC First Private Credit Card,” you can do something nice for society by donating your Karma Points to charity, which makes you feel good and helps others!
• Pay Rent and Earn Rewards: You can use your card to pay your rent without worrying about any extra fees, and the best part is you even earn rewards for doing it!

Disadvantages

• Low Reward Point Value: Even though the “IDFC First Private Credit Card” gives you lots of cool benefits, the reward rate isn’t that great because each reward point is only worth 0.25 rupees, which means you don’t get as much value from your points.

Rewards Offers of IDFC First Private Credit Card

• Movie & Dining Fun: You can get up to Rs. 750 off when booking movies or even other stuff through BookMyShow with your “IDFC First Private Credit Card,” which makes outings more affordable!
• Rewards Rate: When you spend Rs. 100, you get 3 reward points if it’s offline and 6 reward points if you shop online, so you can collect points pretty quickly!
• Reward Redemption Value: Each reward point is worth Re. 0.25 when you trade them in for gift vouchers, which means you can save up for some nice goodies!
• Travel Perks: You get to enjoy unlimited access to railway lounges all across India, making your train trips more comfortable!
• Domestic Lounge Access: Both you and anyone with an add-on card get unlimited access to domestic airport lounges, so you can relax before your flights in India.
• International Lounge Access: You and your add-on cardholders can also enjoy unlimited access to lounges at international airports, which is great for when you travel abroad!
• Golf Fun: If you love golf, you get free unlimited rounds or lessons every month, so you can practice and play as much as you want!
• Insurance Benefits: Your card comes with travel insurance and air accident cover, giving you peace of mind when you’re on the go.

Karma Points of IDFC First Private Credit Card

• Earning Karma Points After ₹30,000: After you spend ₹30,000 in a month with your “IDFC First Private Credit Card,” you start earning 1 Karma Point for every ₹100 you spend. It’s like a special reward for reaching that spending level!
• No Karma Points for Some Stuff: But remember, you don’t earn Karma Points on everything. For example, when you buy fuel, pay for insurance, do EMI payments, or take out cash, you won’t get any points.
• Karma Points Value: Each Karma Point is worth ₹0.25 when you redeem them, which means you can use them to help others!
• Change Charity Easily: If you want to change the charity where your Karma Points go, you can just call the VIP Access number. The default charity is set to the CRY foundation, but you can pick a different one if you like!
• Automatic Donation at 25,000 Points: Once you collect 25,000 Karma Points, they automatically get donated to the charity you chose, so you’re always doing something good with your points!

Eligibility Criteria of IDFC First Private Credit Card

• Must Be 21 or Older: You need to be at least 21 years old to get the “IDFC First Private Credit Card,” so it’s for grown-ups only!
• High Monthly Income Needed: You should have a good, high monthly income because this card is for people who earn well.
• Great Credit Score and Relationship: You must have an excellent credit score and a really good relationship with IDFC First Bank, showing that you’re responsible with your money!

Application Process for IDFC First Private Credit Card

• Special Invitation Only: Not everyone can get the “IDFC First Private Credit Card” because you can only have it if the bank invites you to apply.
• Contact for More Info: If you think you might be a good fit for this really fancy credit card, you can call IDFC First Credit Card customer care to find out more about how to get invited!

FAQs