Best Credit Card for Flight Booking

All Benefits

  • Enjoy a low forex markup of just 1% on International transactions also applicable to international transactions charged in Indian currency
  • Up to 4 Indian airport lounge visits, 2 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
  • Flat ₹5,000 discount on bookings of ₹25,000 or more at The Postcard Hotels & Resorts, once every calendar quarter using promo code IDFCVIP
  • Annual fee benefit of 7,500 Reward Points (worth up to ₹3,000) on spends of ₹8 lakhs in the previous anniversary year, subject to payment of the ₹2,999 + GST annual fee
  • Up to 60 Reward Points per ₹150 on hotel bookings and 40 Reward Points per ₹150 on flight bookings via the IDFC FIRST Bank Mobile App, capped at 15,000 bonus Reward Points per calendar month

Fees

Joining Fee Joining fee is offset through 2,500 reward points on payment of the joining fee.
₹3,539
₹2,999 + GST
Annual Fee The annual fee is not waived under any spending conditions.
₹3,539
₹2,999 + GST

Eligibility

Age
21-65 years
Salary
₹1L / Month
Credit Score
750+

Bank Fee Structure

Forex Markup 1% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (1%): ₹100 → ₹1 ₹1,000 → ₹10 ₹10,000 → ₹100 ₹1,00,000 → ₹1,000
1%
Finance Charges (APR) Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.).
3.85%
ATM Withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).
₹199
Reward Redemption A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.
1%
Rent Payment 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment No cheque payment fee is charged
N/A
Cash Payment N/A
N/A

Late Payment Charges

Amount dueFee
₹0 - ₹100₹0
₹500₹100
₹5000₹750
₹8000₹1200
₹10,000₹1300
₹10,000 & above₹1300

Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).

Reward Exclusions

Fuel SpendsInsurance PaymentsEducation PaymentsWallet LoadsGovernment PaymentsRent PurchasesUtility BillsEMIsCash Withdrawals

Terms & Conditions

  • The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application
  • A minimum transaction of Rs.100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards