Meet these thresholds and you're likely to be approved. Final call is IDFC FIRST Bank's.
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
Plays grounded in this card's specific levers. Updated each time IDFC FIRST Bank tweaks the program.
The app-based travel portal pays 50X on hotels (8.33% effective) and 30X on flights (5% effective) — 10-50× the base rate. Never book travel off-portal; the multiplier is the single biggest reward lever on this card.
Two things unlock at ₹20k/month: 10X (1.67%) on incremental spend beyond ₹20k, and 16 domestic + 16 international + 16 railway lounge visits the next month. Missing the trigger forfeits all three perks.
₹8 lakh annual spend earns 7,500 reward points; ₹15 lakh earns 15,000 more — 22,500 total milestone points. Combined with the welcome ₹4,000 cashback (4 transactions of ₹1,000+ in 60 days) this covers the ₹7,079 annual fee easily.
Zero foreign currency markup is almost unheard of in the ₹5,999 fee tier. Route every overseas trip, international subscription, and foreign e-commerce purchase here — you save 3-3.5% versus typical cards before any rewards.
Standard redemption is 1 RP = ₹0.25 for statement credit, a brutal 75% haircut versus the 8.33% hotel earn rate. Always use the in-app travel portal for bookings and redemption, or the points lose most of their value.
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
Charges below are base amounts; GST applies where applicable.
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
16 domestic + 16 international visits per year. Primary cardholder.
₹5,250 Welcome reward points.
The Postcard Hotel Offer.
Air accident cover, lost-card liability, emergency card replacement abroad.
Joining and renewal fees are both ₹5,999 + 18% GST (₹7,079 all-in). The welcome benefit covers it comfortably: ₹4,000 cashback (4 transactions of ₹1,000+ within 60 days) plus 5,000 reward points (~₹1,250 on travel redemption), totalling ~₹5,250 in year one. Hit the ₹8L milestone and you earn another 7,500 points on top.
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.
