Cards / IDFC FIRST

Joining fee

₹750

Annual fee

₹750

Waiver spend

₹1,50,000

Forex markup

0%

Fee waiver

Spend ₹1,50,000 in a card year and the next annual fee is waived.

That is about ₹12,500 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

• 1 point per ₹150 on utilities, insurance, railways and FASTag
• 4 points per ₹150 on online, offline and international spends

No rewards on fuel.

Airport lounges

• Domestic: 4 visits a year

1 domestic airport lounge visit per calendar 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.

Who can apply

• Age 18 to 80

Secured card; needs an IDFC FIRST Bank fixed deposit of at least ₹20,000

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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