Cards / IDFC FIRST

Joining fee

₹5,999

Annual fee

₹5,999

Waiver spend

–

Forex markup

0%

Fee waiver

No spend-based waiver listed by the bank.

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

• 18 January 2026Worse for you

  Rewards on international spends cut from 10X to 5X unless monthly spend is Rs 20,000, and no rewards for a cycle if the minimum due is missed.

  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
• 3X points on rent, education and wallet loads
• 5X points on spends up to ₹20,000 a cycle (10X above that)

No rewards on fuel.

Airport lounges

• Domestic: 4 visits a quarter
• International: 4 visits a quarter

Domestic visits include 1 guest 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.

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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