Base reward rate: Up to 50 bonus points per Rs. 150 on hotel bookings via IDFC FIRST Bank app, 4 points per Rs. 150 on online/offline spends, and 1 point per Rs. 150 on other retail spends.
Redemption options: other categories, flights and hotel bookings
Redemption value: 1 Pt = ₹0.50
Fees & Charges
Joining fee: 750
Annual fee: 750
Pros
Excellent for international travel with a 0.00% forex markup fee, a premium feature rarely seen in this fee segment.
Exceptionally high reward rate on travel booked through the IDFC FIRST Bank app, offering 50 bonus points per ₹150 on hotels and 30 bonus points per ₹150 on flights.
Strong rewards on a key modern spending category, offering 3 reward points per ₹150 on UPI transactions over ₹2,000.
Provides a consistent monthly entertainment benefit of a 25% discount up to ₹100 on movie tickets via the District by Zomato app.
The annual fee of ₹750 is waived on a relatively achievable spend of ₹1.5 Lakhs, making it potentially free for moderate users.
Offers 4 complimentary domestic airport lounge visits annually, a solid perk for domestic flyers.
Cons
Domestic lounge access is conditional on a high spend of ₹20,000 in the previous quarter, which may be difficult for some users to meet consistently.
The highest reward rates for travel are exclusively tied to bookings made through the IDFC FIRST Bank mobile app, limiting user flexibility.
The base reward rate is very low on essential spending categories, offering only 1 reward point per ₹150 on insurance and utility bill payments.
Despite having a 0% forex fee that encourages international use, the card offers no complimentary international lounge access.
The fuel surcharge waiver is capped at a low limit of ₹200 per month.
Best Use Case
Frequent travelers who book via IDFC FIRST Bank app and value zero forex.