About IDFC FIRST Bank Wealth Credit Card
IDFC FIRST Wealth Credit Card is designed for high-income users (with an eligibility of around ₹36 lakh per year). One of its biggest advantages is that it is a lifetime free card and the reward points earned on this card do not expire. It also offers benefits like complimentary lounge access, golf privileges, and low forex mark-up, making it useful for regular travel and lifestyle spending.
However, over time, the overall value of this card has reduced compared to its earlier features. The rewards and benefits are now more similar to an entry level card, which may not fully meet the expectations of high spenders looking for premium value.
This card is suitable for users who want a no-fee option with basic rewards and long-term point validity. But if you are looking for higher rewards and better premium benefits, you can consider options like HDFC Diners Club Black, HDFC Regalia Gold, or SBI Card Elite, which offer stronger value despite having an annual fee.
Also Read: Best Credit Cards in India 2026
The IDFC FIRST Bank Wealth Credit Card gives up to 10X reward points on your spending. It has a low 1.5% forex markup on international transactions. You get free access to airport lounges and select spas, along with travel insurance and accident cover. You can also withdraw cash without interest for up to 48 days. The interest rate on this card ranges from 0.75% to 2.99% per month.
IDFC FIRST Bank Wealth Credit Card Rewards Program
Rewards Program
- 3X rewards on all purchases up to Rs. 20,000/month
- 10X rewards on spends above Rs. 20,000/month and on birthday spends
- 3X rewards on rent, education, wallet loads & government services
- 1X rewards on utility bills and insurance spends
- 1 Reward Point = Rs. 0.25 redemption value (limited options)
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback (up to Rs. 1,000) on first EMI transaction within 90 days
Lounge Access
- 2 complimentary domestic airport spa & lounge visits per quarter
- 2 complimentary international lounge visits per quarter
- 4 complimentary railway lounge visits at select stations
Also Check: Best Lounge Access Credit Cards
Travel Benefits & Insurance
- 1.5% low forex mark-up fee
- Air accident cover: Rs. 1 crore
- Personal accident cover: Rs. 10 lakh
- Lost card liability cover: Rs. 50,000
- USD 1200 travel insurance cover
- CFAR (Cancel For Any Reason) insurance for 2 claims up to Rs. 10,000 (flights & hotels)
Also Check: Best Travel Credit Cards
Lifestyle & Fuel Benefits
- BOGO movie offer (up to Rs. 250) on Paytm – twice a month
- 300+ merchant offers
- Up to 20% off at 1500+ restaurants
- Up to 15% off at 3000+ health & wellness outlets
- 2 complimentary golf rounds/month on Rs. 20,000 monthly spends
- 1% fuel surcharge waiver up to Rs. 300/month (on Rs. 200–5,000 transaction)
Also Read: Best Fuel Credit Cards
Visa Infinite Benefits
- Discounts on airport meet & greet and transfer services
- Personalized concierge service
Other Features
- Interest-free cash withdrawals worldwide (up to 48 days)
- EMI conversion on purchases above Rs. 2,500.
Fees and Charges
| Type of Charge | Amount |
|---|
| Joining fee | NIL |
| Over limit fee | NIL |
| Reward redemption fee | NIL |
| Credit Card Interest Rate | 0.75% to 2.99% per month |
| Foreign exchange markup | 1.5% |
| Late payment fee | 15% of total amount due |
| Domestic and International cash advance fee | Rs.250 |
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Document Required For IDFC FIRST Bank Wealth Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Bank Wealth Credit Card Highlights
What do we like about this card?
- Get 10X reward points on spends above Rs. 20,000 in a month and on your birthday
- Earn 3X reward points on spends up to Rs. 20,000 in a statement cycle
- Earn 1 reward point per Rs. 100 spent on all other transactions
Things to Know Before you apply
Get this card if:
- You want a lifetime free credit card that covers various spending categories
- You can spend over Rs. 20,000/month to unlock 10X rewards and other perks
- You're a high spender who can make the most of unlimited incremental rewards
- You value travel and lifestyle benefits like lounge access, golf, and low forex markup
Pros
- Lifetime free credit card with joining benefits worth up to Rs. 1,500
- Unlimited accelerated reward points for high spenders
- Low forex markup of just 1.5%
- Complimentary golf, dining/movie discounts, airport assistance & lounge access
Cons
- Low reward redemption value (1 RP = Rs. 0.25) with limited options
- 10X rewards apply only after monthly spends exceed Rs. 20,000
- Base reward rate is low for a premium card
- Lounge access requires minimum monthly spends to qualify
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
You can directly use your reward points to pay for online purchases or while shopping at a store by selecting the ‘pay with points’ option. Alternatively, you can redeem them against vouchers through IDFC FIRST Bank’s net banking or mobile app.
For any assistance, you can contact the IDFC FIRST Wealth Credit Card customer care at 1800 10 888.
Yes, you can convert your outstanding balance into EMIs for a tenure ranging from 3 to 18 months.
Yes. If you apply for the Rupay variant of your Wealth Card (available at an annual fee of ₹199), you can link it to UPI apps. On UPI spends, you also earn 3X reward points.
While the reward rate is the same on all three cards, the difference lies in lounge access, movie benefits, and other lifestyle privileges.
