Cards / IDFC FIRST

Joining fee

₹3,000

Annual fee

₹3,000

Waiver spend

₹6,00,000

Forex markup

0%

Fee waiver

Spend ₹6,00,000 in a card year and the next annual fee is waived.

That is about ₹50,000 a month.

Work out what you still need to spend

Recent changes

• 9 September 2026Better for you

  Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.

  Source

• 18 June 2026Worse for you

  Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 3X points on rent, education and wallet loads
• 1X points on utilities, insurance, railways and FASTag
• 3X points on spends up to ₹20,000 a cycle (10X above that)

No rewards on fuel, international.

Airport lounges

• Domestic: 2 visits a quarter
• International: 2 visits a quarter

Spend ₹20,000 in a calendar month to unlock access the next month

Points

Reward Points, worth about ₹0.25 each on the usual redemption.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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