IDFC FIRST Wealth Credit Card
Updated 15 Apr 2026Source-linked
The IDFC FIRST Wealth Credit Card is a premium credit card from IDFC FIRST Bank, with a joining fee of ₹0 + GST.
It earns up to 10% back on online spend above 20k spends in the form of reward points (points).
Cardholders get 4 quarterly domestic + 4 annual international airport lounge access.
IDFC FIRST Wealth Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- 6% on online spend under 20k
- 10% on online spend above 20k
- 10% on incremental above 25k
- Base 0.50% on other spends
Welcome Benefits
- Not applicable
IDFC FIRSTsignaturepremiumLifetime freeRewards and Benefits
Rewards Rate
6% on online spend under 20k
10% on online spend above 20k
10% on incremental above 25k
Base 0.50% on other spends.
Reward Redemption
IDFC FIRST Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each quarterly.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
BOGO on Paytm Movies
Golf
2 round(s) / monthly · 2 lesson(s).
Insurance Benefits
- personal accident: ₹10,00,000
- lost card liability: ₹50,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- premium card issued by IDFC FIRST Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/quarterly) + international (4/annual).
- Insurance cover bundled: personal accident, lost card liability.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn rate of 10% on online spend above 20k.
Cons
- No rewards on fuel spends.
Accelerated rewards
- 6% on online spend under 20k6X rewards on online spends up to ₹20,000/month.
- 10% on online spend above 20k10X rewards on online spends above ₹20,000/month.
- 10% on incremental above 25k10X rewards on incremental spends beyond ₹25,000/month.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
- education
Airport lounge access
Domestic
4 visit(s) / quarterly. Via visa, dreamfolks.
International
4 visit(s) / annual. Via loungekey.
Insurance benefits
- personal accident: ₹10,00,000
- lost card liability: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Sources
- : www.idfcfirstbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.