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IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
Travel
Lifetime Free
Rewards
1st Year Fee: ₹ 0
Rewards
10X rewards on Dining & Travel
Cashback
5% cashback on first EMI transaction
Lounge Access
Up to 4 airport lounge visits per quarter
Save with Low Forex Mark-up of 1.5%
Apply today for IDFC FIRST Wealth Credit Card!
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About IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth is a credit card that targets high-earning consumers (income eligibility is Rs. 36 Lakh), and it is lifetime free. Complimentary lounge access, golf benefits and low forex mark-up are some of the features of credit card that add to its overall value. High-earners who do not want to pay any annual fees and are satisfied with rewards akin to an entry-level card can consider getting IDFC FIRST Wealth. Otherwise, cards like HDFC Diners Club Black, HDFC Regalia Gold and SBI Card Elite offer much higher value, albeit at an annual fee (ranging from Rs. 2,500 to Rs. 10,000).
IDFC FIRST Wealth Rewards Program
- 10X reward points on Dining, Travel and International spends1
- 3X reward points on other online & offline spends
- 1X reward points on insurance, utilities, railways and FASTag recharges2
- 20% bonus rewards on hotels and 10% on flight bookings on ‘Travel & Shop’ on IDFC FIRST app, up to 8,000 bonus points
- 1X= 1 reward point per Rs. 200 spent
- Redeem reward points at a value of 1 RP = Rs. 0.25
- Reward points will be valid for 24 months
Other Features and Benefits
Welcome Benefits
- Gift vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days of card set-up
- 5% cashback (up to Rs. 1,000) on your first EMI transaction within 90 days of card set-up
Lounge Access3
- 2 complimentary domestic airport spas & lounges visits per quarter
- 2 complimentary visits to international airport lounges per quarter
- 4 complimentary railway lounge visits at select stations
Travel Benefits and Insurance Cover
- Low forex mark-up fee of 1.5%
- Air Accident Cover of Rs. 1 crore, Personal Accident Cover of Rs. 10,00,000 and Lost Card Liability Cover of Rs. 50,000
Fees and Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Nil |
| Finance Charges | Starting from 8.5% p.a. to 46.2% p.a. |
| Forex Markup Fee | 1.5% |
| Late Payment Fee | 15% of the unpaid dues, subject to min. of Rs. 100 & max. of Rs. 1,300 |
Things to Know Before you apply
Get this card if:
You want a lifetime free credit card that caters to multiple spending categories
You want to earn accelerated rewards on dining and travel spends
You are a frequent traveller looking to earn accelerated rewards on international spends
You value travel and lifestyle benefits like lounge access, low forex mark-up fee, golf access, etc.
Eligibility Criteria
Occupation: Salaried or Self-employed
Age: Between 21 and 65 years
Minimum Income: Rs. 36 Lakh per annum
Paisabazaar Review
What do we like about this card?
The best thing about IDFC FIRST Wealth Credit Card is that it is lifetime-free. With a low forex mark-up fee of 1.5%, the card can also be a good addition to your wallet when travelling abroad. Moreover, IDFC FIRST Wealth also earns reward points on rent, education, wallet load, utility and insurance spends – categories that are generally excluded from credit card rewards programs.
Pros
- Lifetime free credit card with up to Rs. 1,500 worth of joining benefits
- 10X reward points on dining, travel & international spends
- Low forex mark-up of just 1.5%
- Complimentary lifestyle benefits & services like golf rounds, dining & movie discounts, airport assistance, & worldwide lounge access
Cons
- Low reward redemption value of Rs. 0.25 and limited redemption options
- Base reward rate is quite low for a premium card
- Lounge access is subject to meeting monthly spending thresholds
Frequently Asked Questions
Everything you need to know about this credit card
You can directly use the rewards points to pay for your online purchases or while shopping at a store. To pay directly with points, you can choose the ‘pay with points’ option. You can also redeem your reward points against vouchers through IDFC FIRST Bank’s net banking or mobile app.
In case of any issues with your IDFC FIRST Wealth Credit Card, you can contact the customer care at 1800 10 888.
Yes, you can convert the outstanding balance on your IDFC FIRST Credit Card in EMIs for tenure ranging between 3 to 18 months.
With your IDFC FIRST Wealth Visa Credit Card, you can separately apply for a Rupay variant. The Rupay Card can be linked to UPI Apps, and on all UPI spends, you can earn 3X reward points. However, the Rupay Variant is available at an annual fee of Rs. 199.
The reward rate on all 3 cards is the same. However, they differ in terms of lounge access, movie and other lifestyle benefits.
Footnotes
- Fuel, Insurance, EMI transactions (only the first EMI transaction is valid for cashback benefit) & Cash withdrawals transactions are not eligible for reward points earning.
- 1% transaction charge on utility bill payments above Rs. 20,000 in a billing cycle
- Domestic airport, international airport and railway lounge access benefit will be eligible only on spending Rs. 20,000 or more in the preceding month
- This offer is available by spending USD 1000 (approx. Rs. 85,000) on international point-of-sale transactions in the past 12 months before the booking date.
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
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