IDFC FIRST Wealth Credit Card
RewardsVerified · August 26, 2026
5.0/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹30,000 per month (1X = 1 pt per ₹150))
Overview
IDFC FIRST Wealth Credit Card by IDFC FIRST Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹30,000 per month (1X = 1 pt per ₹150))
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹30,000 per billing cycle)
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹30,000 per month & on birthday spends)
- • Accelerated Rewards: 10X Reward Points on birthday and on monthly spends exceeding ₹30,000. Points never expire and carry 1 pt = ₹0.25 value with 0 redemption fees.
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
Welcome Benefit
Gift voucher worth ₹500 on spending ₹15,000 or more within 90 days of card setup, plus 5% cashback (up to ₹1,000) on 1st EMI transaction; Qualification Criteria: Min ₹15,000 retail spend within first 90 days of issuance; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹30,000 (Monthly): 10X Reward Points on all additional spends in the billing cycle; Annual Fee Waiver: Lifetime Free with unconditional zero annual renewal fee
Redemption
- • Direct online checkout & gift vouchers at 1 pt = ₹0.25
- • Instant statement cash credit with zero redemption processing charge
- • Points never expire
Benefits
- Domestic Airport Lounge: 4 per quarter (subject to spend of ₹20,000 in previous calendar month) via Visa Infinite / Dreamfolks (Guest Access: Paid guest access)
- International Airport Lounge: 4 per quarter via Dreamfolks / Priority Pass via Dreamfolks Lounge Card (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹300 per month)
- Buy 1 Get 1 Free Movie Tickets: Buy 1 Get 1 free movie ticket on Paytm Movies up to ₹500 (twice per calendar month). (Up to ₹500 discount per ticket on Paytm Movies app) [Partners: Paytm Movies]
- Complimentary Golf Rounds: 2 complimentary golf rounds / golf lessons per month at premier golf courses across India. (Bookable via IDFC FIRST concierge portal) [Partners: Golftripz]
- Complimentary Travel & Health Cover: Air accident cover of ₹1 Crore, travel insurance of $1,200, and loss of check-in baggage cover. (Air accident cover ₹1 Cr, Personal accident cover ₹10 Lakhs, Lost card liability ₹50,000) [Partners: ICICI Lombard]
Things to Know Before you apply
IDFC FIRST Wealth Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹36,00,000+ or TRV relationship with IDFC FIRST Bank
- Salaried & Self-Employed Individuals
- Resident Indian
IDFC FIRST Wealth Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 1.5% |
| Cash Advance Fee | Interest free ATM cash withdrawal up to 48 days (only ₹199 + GST transaction fee) |
Fee waiver: Lifetime Free with unconditional zero annual renewal fee
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
IDFC FIRST Wealth Credit Card issued by IDFC FIRST Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹30,000 per month (1X = 1 pt per ₹150))
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹30,000 per billing cycle)
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹30,000 per month & on birthday spends)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
5.0/5
Highest rated4.9/5
4.9/5
Best Suited for
Rewards
Rewards
—
Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Gift voucher worth ₹500 on spending ₹15,000 or more within 90 days of card setup, plus 5% cashback (up to ₹1,000) on 1st EMI transaction
- • Qualification Criteria: Min ₹15,000 retail spend within first 90 days of issuance
- • Fulfillment Timeline: 30 days post criteria completion
- • Not shown among the official offer tiles
- • Zero joining fee and lifetime free privileges on approval
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
Reward/Cashback Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹30,000 per month (1X = 1 pt per ₹150))
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹30,000 per billing cycle)
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹30,000 per month & on birthday spends)
- • Accelerated Rewards: 10X Reward Points on birthday and on monthly spends exceeding ₹30,000. Points never expire and carry 1 pt = ₹0.25 value with 0 redemption fees.
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base reward rate not disclosed on the official offers page
- • customisable via paid booster packs (5X/10X Reward Points, 5%/2% Cashback tiers)
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Accelerated Rewards: Standard retail points without cap
- • Excluded Categories: Fuel
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹30,000 per month (1X = 1 pt per ₹150))
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹30,000 per billing cycle)
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹30,000 per month & on birthday spends)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Lifetime free — no joining or annual fee
- • Fully customisable feature packs starting at ₹49/quarter
- • Card liability and credit shield cover up to ₹1.5 Lakh each
- • Flexible OTT subscription add-ons
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Base reward rate not clearly disclosed
- • Most valuable benefits require paying for add-on packs
- • Self-employed age eligibility (25–65) differs from salaried (21–60)
- • Several fee details (forex markup, cash advance) not itemized officially
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions