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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
IDFC FIRST · Visa

FIRST Private Credit Card

Best forGroceries & Dining
Earns10 RP/₹150 on groceries
1st Year / Joining Fee
₹50,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Visa
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Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on groceries and dining, where it earns 10 RP/₹150

How you earn

Reward rates at a glance — exactly as recorded for this card.

Groceries10 RP/₹150
Dining10 RP/₹150
Food Delivery10 RP/₹150
Shopping10 RP/₹150
Travel10 RP/₹150
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
Rent3 RP/₹150—3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 2.00% Travel & Shop) on Rent payments (MCC 6513)
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 2.00% Travel & Shop) on Rent payments (MCC 6513). Strictly exempt from rent surcharge (0% fee) and minimum fee per official schedule of charges w.e.f. September 17, 2024.
EducationNot a good fit—3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 2.00% Travel & Shop) on Education spend
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 2.00% Travel & Shop) on Education spend. Direct school/college website (CH01) incurs ₹0 fee (0.50% net). Third-party apps (CH02) incur 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-15-EDU. Marked DO_NOT_RECOMMEND to prevent penalty loss on third-party channels.
Insurance1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) on Insurance payments per official terms
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) on Insurance payments per official terms.
Utilities1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) on Utility bills
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) on Utility bills. Strictly exempt from utility surcharges per official schedule of charges.
Fuel1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) earned on Fuel per official terms
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) earned on Fuel per official terms. 1% fuel surcharge waiver with no capping on transactions between ₹200 and ₹5,000 per FR-IDFC-15-FUEL. GST on surcharge is not waived.
Groceries10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Groceries
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Groceries.
Dining10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Dining
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Dining.
Food Delivery10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Food Delivery
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Food Delivery.
Shopping10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on online and POS shopping
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on online and POS shopping.
Travel10 RP/₹150—10 RP / ₹150 on travel spends (6.667 RP / ₹100 = 1.667% standard / 6.667% Travel & Shop)
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 on travel spends (6.667 RP / ₹100 = 1.667% standard / 6.667% Travel & Shop). Zero forex markup per FR-IDFC-15-FOREX. Unlimited domestic & international airport lounge access + 4 domestic guest visits/year + unlimited railway lounges + unlimited airport spas. 50 bonus RP/₹150 on hotels and 20 bonus RP/₹150 on flights via IDFC Travel & Shop app.
Government1 RP/₹150—1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) on Government payments per official FIRST Private terms
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.667% Travel & Shop) on Government payments per official FIRST Private terms.
Wallet10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Wallet loads
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Wallet loads.
Railways10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Railway bookings
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Railway bookings. Unlimited complimentary railway lounge access across India.
FASTag10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on FASTag recharges
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on FASTag recharges.
Jewellery10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Jewellery
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Jewellery.
Telecom10 RP/₹150—10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Telecom spends
Details
Status
Verified
Source
SRC-IDFC-PRIVATE-TERMS
Issuer note
10 RP / ₹150 (6.667 RP / ₹100, 1.667% standard / 6.667% Travel & Shop) on Telecom spends.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹50,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
10 RP/₹150 on groceries
Lounge access
unlimited domestic/international lounge access
Fuel surcharge waiver
1% fuel surcharge waiver with no capping on transactions between ₹200 and ₹5,000
Foreign-currency markup
0% foreign-currency markup — Zero forex markup on all international transactions

Important to know

Limits and exclusions that change what you earn.

  • Not recommended for: Education

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in groceries, dining, food delivery
△ Less useful if
  • Much of your spending is in education, which earn nothing
  • You do not want to pay an annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 1 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Education — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 2.00% Travel & Shop) on Education spend.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Invitation / private banking eligibility

Specifications
  • Payment network: Visa
  • Airport lounge: unlimited domestic/international lounge access
  • Fuel surcharge waiver: 1% fuel surcharge waiver with no capping on transactions between ₹200 and ₹5,000. GST on surcharge is not waived.
  • Foreign-currency markup: 0% foreign-currency markup — Zero forex markup on all international transactions.
What DhanChakshu couldn't fully verify · nothing outstanding

Every category and product fact recorded for this card is resolved.

Sources & verification

Verification & sources · last checked 2026-09-29

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-29

Official product page: https://www.idfcfirstbank.com/

Documents used
FIRST Private Credit Card Reward Points Terms & Conditions; 10 RP/₹150, travel valuation ₹1/RP, other ₹0.25/RP · SRC-IDFC-PRIVATE-TERMS
FIRST Private Credit Card₹50,000 1st year
Apply Now →