Earn 5 reward points on every Rs. 150 spent and get maximum benefit with 1 reward point equal to Re 1
5% cashback on duty-free spends
Up to 25% discount at the top 750 restaurants in India
Access 20 premier golf courses in India and 150 worldwide
Convert big credit card transactions (starting from Rs. 5,000) into easy EMI with "Kuch Bhi" facility at attractive rates pricing and flexible tenure options
Up to 6.5% savings on fuel expenses
Enjoy 5% savings as Rewards on Grocery and Utility expenses
Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
Avail 3X Rewards on other retail transactions
Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
Complimentary Roadside Assistance worth Rs. 1,399
Get 25% off on movie tickets, up to Rs. 100, once every month
Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
EMIfy your purchases and balances and enjoy convenience of payment
Extend Add-on card to your co-passenger and boost your savings without any extra charges
Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
You can also earn rewards on your UPI Spends
Editor's Review
Pros
2% foreign currency markup* fee on overseas spends
Access to over 1000 airport lounges across the world, with a complimentary Priority Pass membership
Enjoy a wide range of instant payment solutions like BharatQR, Bharat bill payment solution (BBPS) and Samsung Pay
Cons
High Annual Fee of Rs. 5,000
No fee waiver
No category-specific elevated rates (e.g. Higher cashback rate for grocery spending)
Pros
With this credit card, you get rewards on UPI transactions also
The joining fee is affordable
Up to 6.5% savings on fuel expenses
Cons
No Golf benefits
No fuel benefits
No complimentary international airport lounge access
More comparisions with Standard Chartered Ultimate Card