IDFC First Private advantage

[abhiaj_geek]

The fee is high, but here’s why it makes sense now. You get 1L bonus points plus hotel memberships like Accor and ITC. When redeemed for travel, the 1L points = ₹1L in value (₹1 per point), covering the ₹59K fee and more—total value can go up to ₹1.25L+.
The base earn rate itself is 10 points/₹150. For travel, it’s 60 points/₹150 on hotels and 30/₹150 on flights—equivalent to 40% and 20% reward rates. Even regular spending gives 6.67% back on travel redemptions, which is excellent.

Yeah but that’s too many points. Miles enthusiasts use miles for a reason. One can use miles to get business class tickets at a much better conversion rate. And it’s a lot of points so no use for someone who doesn’t travel internationally atleast 1-2 times a year.

 

[theXfactor]

Yeah but that’s too many points. Miles enthusiasts use miles for a reason. One can use miles to get business class tickets at a much better conversion rate. And it’s a lot of points so no use for someone who doesn’t travel internationally atleast 1-2 times a year.

Yes that’s right. This card made sense after its revaluation and majorly for travel that’s where the max value kicks in. Even if a person travels once in a year or two, it’s still ok as IDFC points never expire so can always be used whenever the person has plans. Else the one needs to content with 25p per point value.

Btw, welcome benefit is 50k not 1L points (I cross checked with their CC)