IDFC First's semi-premium metal travel card recently hit by multiple significant 2026 devaluations — international reward rate halved, lounge access newly spend-gated, and points now expiring — substantially reducing its value proposition versus when it first launched.
Data completeness: 100% · Last verified: 09 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| online_spends | points | 0.75%(3 pts @ ₹0.25) | — | — |
| dining | points | 0.75%(3 pts @ ₹0.25) | — | — |
| travel | points | 0.75%(3 pts @ ₹0.25) | — | — |
| groceries | points | 0.75%(3 pts @ ₹0.25) | — | — |
| fuel | points | 0.25%(1 pts @ ₹0.25) | — | — |
| all_spends | points | 0.27%(0.67 pts @ ₹0.40) | — | 1X base = 1pt/Rs150; up to 10X on spends above Rs20,000/cycle |
Rs2,000 welcome benefit: Rs500 cashback on each of 4 transactions of Rs500+ within 60 days
Postcard Hotels discount
₹5,000Flat Rs5,000 discount on minimum Rs25,000 booking at Postcard luxury hotels, once/quarter
Cap ₹20,000 / quarterly. Promo code IDFCVIP, min Rs25,000 booking
Airport meet-and-greet service
Complimentary meet-and-greet at major Indian airports once/year on USD1,000+ international POS spend in prior 12 months; 10% discount otherwise
yearly. USD1,000+ international spend in preceding 12 months