IDFC
IDFC FIRST Bank Private Reserve Credit Card
Super-premium card · strong domestic lounge with international visits on file · no annual fee · 0% forex markup.
- Good for travel 0% forex · unlimited lounge
- Low forex 0% forex markup
- Strong lounge access Unlimited domestic lounge access
- Moderate rewards 6 pts / ₹150 on General spend
Annual fee ₹0 lifetime free
Forex markup 0% zero forex
Lounge access ∞ unlimited domestic
Rewards / ₹100 4 pts base
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹0
- Joining fee
- ₹0
- Forex markup
- 0%
- Lounge access
- Unlimited domestic lounge
- Reward rate
- 4 pts / ₹100
What you'd do with it
- Best for frequent domestic airport travel where unlimited lounge access matters.
- Useful for international travel spending because forex markup is kept to 0%.
- Good for everyday domestic spend if you want to avoid annual fee drag.
Best for
- Good for travel
- Low forex
- Strong lounge access
- No annual fee
Still worth it?
Evidence-backed snapshotGood fit if
- No annual fee is on file.
- Forex markup is listed as 0%.
- Lounge access is on file.
Watch out for
No major caution from resolved fields yet.
Verify before applying
- Welcome benefit timing and claim process.
- Lounge spend criteria, guest rules, and visit caps.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward exclusions, caps, redemption value, and voucher timelines.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~2,000 pts/month (base earn)
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic visits
- Unlimited
- International visits
- 12/year
Rewards
- Points per ₹150
- 6 pts
Fees & charges
Fees
- Monthly interest rate
- 3.5% / month
- Annual fee
- ₹0
- Joining fee
- ₹0
International Use
- Forex markup
- 0%
- Product tier
- Super-premium
The fine print
Caps · exclusions · sources · last refresh- Card facts refreshed on 5 June 2026.
- Annual fee on file: ₹0.
- Forex markup currently listed at 0%.
- Unlimited domestic lounge is on file in the latest refinery snapshot.