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.