Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#37 of 70 in debit

IDFC First Bank

IDFC First Platinum Debit Card

debitVisamidProvisional score

Insurance-backed card supplying personal accident cover and movie purchase offsets.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value10/100 · weight 65%

≈ 0.52% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.

Fee efficiency98/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: ₹250 + 18% GST
= ₹295 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	cashback	10%	₹250 / monthly	10% cashback on movie tickets booked via Paytm Movies
groceries	points	0.75%(3 pts @ ₹0.25)	—	3 Points for every Rs 100 on hypermarket transactions