Cards / IDFC FIRST

Joining fee

Free

Annual fee

Free

Waiver spend

–

Forex markup

0%

Fee waiver

No annual fee, so nothing to waive.

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

• 1X points on utilities, insurance, railways and FASTag
• 10X points on dining, travel and international
• 3X points on other spends

No rewards on fuel.

Airport lounges

• Domestic: 1 visit 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. Expire after 2 years.

Who can apply

• Salaried: income of ₹12,00,000 a year or more
• Self-employed: income of ₹12,00,000 a year or more

Annual income of ₹12 lakhs or more

Published minimums. Approval is the bank's decision.

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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