IDFC FIRST Bank · Super-premium
FIRST Private
Where it ranks across all 187 cards
#2 Online shopping
6.6%
direct
#3 Groceries
6.6%
direct
#2 Dining out
6.6%
direct
#2 Food delivery
6.6%
direct
#1 Flights
6.6%
direct
#1 Hotels
6.6%
direct
#1 Mobile / broadband
6.6%
direct
#1 Cabs & transit
6.6%
direct
#1 Movies & events
6.6%
direct
#1 Electronics
6.6%
direct
#1 Health & pharmacy
6.6%
direct
#1 Gaming
6.6%
direct
#1 Other
6.6%
direct
#4 Fashion
6.6%
direct
#36 Wallet load
0.7%
direct
#51 Insurance
0.7%
direct
#52 Education
0.7%
direct
#60 Utility bills
0.7%
direct
#76 Jewellery & watches
0.7%
direct
#98 Train tickets
0.7%
direct
Get an email if this card changes - sign in.
1 Reward Point = ₹1.00 on travel bookings done via IDFC FIRST Bank Mobile App; 1 Reward Point = ₹0.25 everywhere else.
Points valued at ₹1/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
6.67%base rate
10 pts / ₹150
source
Source: FIRST Private Credit Card - idfcfirstbank.com - read 25 Sep 2026
5 pts / Rs 150 on international spends
3.33%this rule
5 pts / ₹150
how it works & source
International spends earn 5X, half the domestic 10X.
Source: FIRST Private Credit Card - idfcfirstbank.com - read 25 Sep 2026
1 pt / Rs 150 on rent, education, utilities, insurance, government, FASTag, wallet, railway, gift voucher and jewellery spends
0.67%this rule
1 pt / ₹150
how it works & source
FasTag and Gift Vouchers have no dedicated category in our taxonomy; omitted from match.categories.
Source: FIRST Private Credit Card - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel earns nothing; codes from the bank MITC category table.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: IDFC FIRST Private card page - "*Reward program not applicable on Fuel, Insurance, EMI transactions & Cash." - idfcfirstbank.com - read 5 Oct 2026
EMI
earns nothing
EMI transactions earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: IDFC FIRST Private card page - "*Reward program not applicable on Fuel, Insurance, EMI transactions & Cash." - idfcfirstbank.com - read 5 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.