{
  "id": "idfc-first-private",
  "locale": "en",
  "name": "IDFC FIRST Private Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "shopping",
  "cardTier": "ultra-premium",
  "annualFee": "₹50,000 + GST (1st Year) · ₹25,000 + GST (2nd Year Onwards)",
  "loungeAccess": "Unlimited Complimentary Domestic & International Airport Lounges + 4 Guest Visits/Year + Unlimited Railway Lounges",
  "rewardsRate": "10X Domestic & 5X International Rewards (1 Pt = up to ₹1 on Travel) · 0% Forex Markup · Unlimited Lounges & Golf",
  "bestFor": "Ultra-High-Net-Worth Individuals (UHNWIs), global business travelers, luxury connoisseurs, and private wealth clients",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/FIRSTPrivateCreditCard",
  "aiVerdict": {
    "score": 4,
    "summary": "Its lounge access is the standout benefit for travellers.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹50000) erodes net rewards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "idfc-first-private",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/FIRSTPrivateCreditCard",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Complimentary / Tailored terms for IDFC FIRST Private Banking clients with designated relationship AUM",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Commencement Fee",
      "value": "₹50,000 + GST (50,000 welcome pts worth up to ₹50,000)"
    },
    {
      "key": "Renewal Fee",
      "value": "₹25,000 + GST (2nd year onwards)"
    },
    {
      "key": "Forex Markup",
      "value": "0% Foreign Currency Markup (Zero forex fee)"
    },
    {
      "key": "Airport Lounges",
      "value": "Unlimited Global & Domestic Lounges + 4 Guest Visits"
    },
    {
      "key": "Golfing Privileges",
      "value": "Unlimited Indian rounds & lessons + 1 Int'l round/quarter"
    },
    {
      "key": "Travel Redemption",
      "value": "1 Point = ₹1.00 on IDFC Mobile App Travel bookings"
    }
  ],
  "earnRates": [
    {
      "category": "Incremental Spends > ₹30k/month & Birthdays (10X)",
      "rate": "10 Points / ₹150 (3.33% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "6,666 Points (~₹1,666 value)"
    },
    {
      "category": "Online Spends up to ₹30,000/month (6X)",
      "rate": "6 Points / ₹150 (2.00% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 Points (~₹1,000 value)"
    },
    {
      "category": "Offline Spends up to ₹30,000/month (3X)",
      "rate": "3 Points / ₹150 (1.00% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹500 value)"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Monthly Spends > ₹30k & Birthdays",
      "multiplier": "10×",
      "rate": "10 Points / ₹150 (3.33%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "10 points per ₹150 on all spends crossing ₹30,000 in a billing cycle."
    },
    {
      "channel": "Online Retail & Travel",
      "multiplier": "6×",
      "rate": "6 Points / ₹150 (2.00%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "6 points per ₹150 on e-commerce, flights, and online retail."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Direct Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight Tickets & Luxury Hotels",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Commencement Fee (1st Year)",
      "value": "₹50,000 + GST (Includes 50,000 Points worth up to ₹50,000 on travel)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee (2nd Year Onwards)",
      "value": "₹25,000 + GST (Tailored terms for Private Banking portfolios)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "9.00% onboarding annual rate of interest (Zero cash withdrawal interest until due date)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup Fee on all global transactions)",
      "warn": false
    },
    {
      "item": "Late Payment & Overlimit Charges",
      "value": "₹0 (Zero Late Payment & Zero Overlimit Charges)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on fuel transactions up to ₹5,000 (Max ₹500/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Relationship Status",
      "requirement": "Strictly Invite-Only for IDFC FIRST Private Banking Clients"
    },
    {
      "criteria": "Portfolio Size (AUM / TRV)",
      "requirement": "Designated Ultra-HNI Total Relationship Value with IDFC FIRST Bank"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "780+ recommended"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}