Issued by IDFC First Bank
· Terms last verified 19 Oct 2026
Fees
Joining fee
Joining fee is nil.
Get a INR 500 gift voucher from choice of brands on spending INR 5,000 within 30 days of card generation for the primary card. Welcome-spend excludes UPI, add-on card transactions, wallet load, EMI converted transactions, ATM cash withdrawal, and reversed, cancelled, or disputed transactions.
Get 5% cashback up to INR 1,000 on the first EMI transaction within the first 30 days of card generation.
Renewal fee
Annual or renewal fee is nil.
Travel
Spend
Rate
Cap
International
10 Reward Points per ₹200
No stated cap
Flights
10 Reward Points per ₹200
No stated cap
Hotels
10 Reward Points per ₹200
No stated cap
Trains
10 Reward Points per ₹200
No stated cap
Bus
10 Reward Points per ₹200
No stated cap
Car Rentals
10 Reward Points per ₹200
No stated cap
Trains
1 Reward Points per ₹200
No stated cap
Toll
1 Reward Points per ₹200
No stated cap
FIRST Rewards Gallery — Hotels
5 + 20 Reward Points per ₹100
No stated cap
FIRST Rewards Gallery — Flights
5 + 10 Reward Points per ₹100
No stated cap
Dining & Entertainment
Spend
Rate
Cap
Dining
10 Reward Points per ₹200
No stated cap
Bills & Utilities
Spend
Rate
Cap
Utilities
1 Reward Points per ₹200
No stated cap
Insurance
1 Reward Points per ₹200
No stated cap
All other spends
Spend
Rate
Cap
All other spends
3 Reward Points per ₹200
No stated cap
Earns no rewards on
Fuel
Surcharge waivers
Fuel surcharge waiver — Fuel surcharge waiver of 1% up to INR 200 every month at fuel stations across India on transactions between INR 200 and INR 5,000.
Capped at Up to ₹200 per month.
Waived when transaction amount is at least ₹200, transaction amount is up to ₹5,000.
Redeeming rewards
FIRST Rewards Gallery — ₹0.25 each
Reward Points — ₹0.25 each
Benefits
Movies
25% off up to INR 100 on movie tickets booked via District by Zomato once every month, subject to spend activity in the previous calendar month.
Fuel Waiver
1% fuel surcharge waiver up to INR 200 every month on fuel transactions between INR 200 and INR 5,000.
Forex Markup
Zero forex markup on international spends.
Life Time Free
Lifetime free credit card with no joining or annual fee.
Railway Lounge
4 complimentary railway lounge visits across India every quarter; spend INR 20,000 in the current calendar month to access railway lounge benefits in the following month.
Welcome Benefit
Get a INR 500 gift voucher from choice of brands on spending INR 5,000 within 30 days of card generation for the primary card. Welcome-spend excludes UPI, add-on card transactions, wallet load, EMI converted transactions, ATM cash withdrawal, and reversed, cancelled, or disputed transactions.
Travel Insurance
Personal accident cover of INR 2,00,000, valid on making at least one transaction in the last 30 days.
Milestone Benefits
Welcome benefits include a INR 500 gift voucher on spending INR 5,000 within 30 days and 5% cashback up to INR 1,000 on the first EMI transaction within 30 days.
Roadside Assistance
24/7 roadside assistance valid up to 4 times in a year.
Zero Lost Card Liability
Lost card liability cover of INR 25,000, valid on making at least one transaction in the last 30 days.
Eligibility
None
Annual Gross Income: At least ₹3,00,000
Sources
Everything above is extracted from the following issuer documents. Where a figure here and
the issuer's page disagree, the issuer's page is authoritative.