FIRST Private Credit Card
The FIRST Private Credit Card is an ultra-luxury black metal card issued strictly by invitation to high-net-worth clients and family offices. It features 0% foreign currency markup, unlimited worldwide airport lounge visits with guest entry privileges, and 0% interest on ATM cash withdrawals globally.
Why We Recommend The FIRST Private Credit Card
IDFC FIRST Bank's crown jewel, offering unlimited global lounge access, zero forex fees, and interest-free international cash withdrawals on an invitation-only metal card.
Ultra-high-net-worth clients requiring unlimited global lounge access, zero forex fees, and VIP airport services.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the FIRST Private Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 (up to ₹0.50 on luxury catalog and travel redemptions) on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for FIRST Private Credit Card
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the FIRST Private Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits for primary cardholder + 4 complimentary guest visits/year
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Unlimited complimentary international lounge visits globally via Priority Pass for primary cardholder + accompanying guests
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes FIRST Private Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
True 0.00% zero foreign currency markup worldwide.
0% interest on ATM cash withdrawals across the globe for up to 45 days.
Free trip cancellation cover of up to ₹50,000 twice a year on flight or hotel bookings.
Pros & Cons of the FIRST Private Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Unlimited worldwide airport lounge access with guest entry allowances.
- True 0% forex markup and interest-free global ATM cash withdrawals.
- Comprehensive ₹2.5 Crore air accident cover and VIP airport meet-and-assist services.
Things to Consider (Cons)
- High commencement fee of ₹50,000 + GST.
- Available strictly by invitation to ultra-high-net-worth individuals and family offices.
- Requires substantial Private Wealth relationship balances with IDFC FIRST Bank.
Who Can Apply for the FIRST Private Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
780+ Score Recommended
Applicants with a credit score of 780 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About FIRST Private Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the FIRST Private Credit Card?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.