FIRST Private Credit Card
Metal with a Heart of Gold
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 1.67% travel · 1.67% dining · 1.67% base.
The fee outweighs the rewards at ₹50,000/month. You'd need ~₹2,49,501/month to break even — likely not worth it for you.
vs HDFC Infinia Metal Edition
At ₹50,000/month with 15% travel and 10% dining.
Tools for FIRST Private Credit Card holders
Frequently asked
Is the FIRST Private Credit Card worth the ₹50,000 fee?
It depends on your spend. The FIRST Private Credit Card earns 1.67% base reward and waives the annual fee at ₹40,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for FIRST Private Credit Card?
IDFC First hasn't published a hard minimum income for FIRST Private Credit Card. Approval depends on credit score, existing relationship, and employment type.
What is the forex markup on FIRST Private Credit Card?
FIRST Private Credit Card charges 0% forex markup on international transactions — this card is built for international spending.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.