IDFC FIRST Wealth Credit Card
Updated on October 29, 2026
🎖️Reward Rate
Dining, Travel and International: 10X reward points, also on your birthday
Overview
The IDFC FIRST Wealth Credit Card is a lifetime-free premium card with zero forex markup, 10X points on dining, travel and international spends, and lounge and golf access.
Rewards
Reward Type
Reward Points
Reward Rate
- • Dining, Travel and International: 10X reward points, also on your birthday
- • Other Spends: 3X reward points
- • Insurance, Utilities, Railways and FASTag: 1X reward points
- • Rate: 1X = 1 point per ₹200
- • Exclusions: No points on fuel, EMI or cash withdrawals
- • Limit: Points only on spends up to your credit limit each cycle
- • Travel Bookings: 20% bonus points every month on flights and hotels via the IDFC FIRST app
Welcome Benefit
₹500 gift voucher when you spend ₹5,000 within 30 days of card generation.
Redemption
- • Point Value: 1 reward point = ₹0.25
- • Redemption Fee: ₹99 plus GST per redemption
- • Validity: Points expire 24 months after they are credited
Benefits
- Lounges: 1 domestic and 1 international airport lounge visit each quarter when you spend ₹20,000 in the previous month
- Railway Lounges: 4 visits on ₹20,000 monthly spend
- Golf: 1 round or lesson a quarter on ₹20,000 spend in a cycle
- Movies: Buy one get one on District, up to ₹250 off twice a month
- Trip Cancellation: Up to ₹10,000 cover
- Insurance: ₹1 crore air accident, ₹10 lakh personal accident and travel cover up to USD 1,200
- Roadside Assistance: 24x7 worth ₹1,399
- Fuel Surcharge Waiver: 1% on ₹200 to ₹5,000, up to ₹300 per cycle
Things to Know Before you apply
IDFC FIRST Wealth Credit Card Eligibility Criteria
- Age: 21–65 years
- Annual income of ₹36 lakh or more.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 0% |
| Cash Advance Fee | ₹199 plus GST per ATM withdrawal, with no interest for up to 45 days. |
Fee waiver: Lifetime free. No joining or annual fee.
PaisaSimple Review
Overall Rating
3.7/5What do we like about this card?
Rated 3.7 out of 5. The IDFC FIRST Wealth Credit Card scores well for no fees, a 0% forex markup and domestic and international lounge visits each quarter. It loses marks because points are worth ₹0.25 with a ₹99 redemption fee, lounges need ₹20,000 of monthly spending and it needs ₹36 lakh of yearly income.
Pros
- • No Fees: Lifetime free
- • Zero Forex: No markup abroad
- • Accelerated Rewards: 10X on dining, travel and international
- • Insurance: ₹1 crore air accident cover
Cons
- • Spend Conditions: Lounges, golf and movies need ₹20,000 monthly spend
- • Redemption Fee: ₹99 plus GST
- • High Income Bar: ₹36 lakh a year
- • No Points on Fuel: Fuel spends earn nothing
Frequently Asked Questions
What is the joining and annual fee of the IDFC FIRST Wealth Credit Card?
The card is lifetime free, with no joining fee and no annual fee.
What rewards does the IDFC FIRST Wealth Credit Card give?
Dining, Travel and International: 10X reward points, also on your birthday. Other Spends: 3X reward points. Insurance, Utilities, Railways and FASTag: 1X reward points. Rate: 1X = 1 point per ₹200. Exclusions: No points on fuel, EMI or cash withdrawals. Limit: Points only on spends up to your credit limit each cycle. Travel Bookings: 20% bonus points every month on flights and hotels via the IDFC FIRST app.
How do I redeem the rewards on the IDFC FIRST Wealth Credit Card?
Point Value: 1 reward point = ₹0.25. Redemption Fee: ₹99 plus GST per redemption. Validity: Points expire 24 months after they are credited.
Does the IDFC FIRST Wealth Credit Card give airport lounge access?
Lounges: 1 domestic and 1 international airport lounge visit each quarter when you spend ₹20,000 in the previous month. Railway Lounges: 4 visits on ₹20,000 monthly spend.
What is the forex markup on the IDFC FIRST Wealth Credit Card?
There is no forex markup on international spends.
Who can apply for the IDFC FIRST Wealth Credit Card?
Applicants should be 21 to 65 years old. Open to salaried and self-employed individuals. Annual income of ₹36 lakh or more. You must be a resident Indian.
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- • ₹500 gift voucher when you spend ₹5,000 within 30 days of card generation.
- • ₹500 gift voucher when you spend ₹5,000 within 30 days of card generation.
- • Amazon Pay voucher worth ₹600 when you spend ₹10,000 in the first 30 days.
- • Dining, Travel and International: 10X reward points, also on your birthday
- • Other Spends: 3X reward points
- • Insurance, Utilities, Railways and FASTag: 1X reward points
- • Rate: 1X = 1 point per ₹200
- • Exclusions: No points on fuel, EMI or cash withdrawals
- • Limit: Points only on spends up to your credit limit each cycle
- • Travel Bookings: 20% bonus points every month on flights and hotels via the IDFC FIRST app
- • Dining, Travel and International: 10X reward points, also on your birthday
- • Other Spends: 3X reward points
- • Insurance, Utilities, Railways and FASTag: 1X reward points
- • Rate: 1X = 1 point per ₹200
- • Exclusions: No points on fuel, EMI or cash withdrawals
- • Limit: Points only on spends up to your credit limit each cycle
- • Travel Bookings: 20% bonus points on hotels and 10% on flights via FIRST Rewards Gallery
- • Travel and International: 3X reward points
- • Dining: 2X reward points
- • Other Spends: 1X reward points
- • Exclusions: No points on fuel, cash advances or wallet loads
- • No Fees: Lifetime free
- • Zero Forex: No markup abroad
- • Accelerated Rewards: 10X on dining, travel and international
- • Insurance: ₹1 crore air accident cover
- • No Fees: Lifetime free
- • Zero Forex: No markup abroad
- • Accelerated Rewards: 10X on dining, travel and international
- • Travel Bonus: Extra points on app bookings
- • Spend Conditions: Lounges, golf and movies need ₹20,000 monthly spend
- • Redemption Fee: ₹99 plus GST
- • High Income Bar: ₹36 lakh a year
- • No Points on Fuel: Fuel spends earn nothing
- • Spend Conditions: Lounges and movies need ₹20,000 monthly spend
- • Redemption Fee: ₹99 plus GST
- • Low Base Rate: 3 points per ₹200
- • No Points on Fuel: Fuel spends earn nothing