Cashback, reward points, free access to airport lounges, and extra insurance coverage are some of the premium perks that the IDFC First Private Credit Card offers. In certain regions, cardholders can receive up to 1% cashback on purchases and earn up to five times their reward points. Additionally, the card offers EMI options and travel concierge services. Nevertheless, there are costs, including joining, cash withdrawal, yearly, and foreign transaction fees. Pay attention to how you handle your payments to prevent incurring interest.