IDFC First Bank Credit Card
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IDFC FIRST Bank Wealth Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Nil

Renewal Fee: Nil

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The IDFC FIRST Wealth Credit Card is a premium credit card offered by the bank. It is tailored to provide exclusive privileges and benefits to the cardholders. It comes with no joining fee and no annual fee which makes it an attractive option for people who want to enjoy luxury perks without any additional costs.

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All You Need To Know

Card Type

Rewards & Travel

Welcome Benefits
  • Voucher Reward: Cardholders receive a ₹500 voucher upon spending ₹5,000 within the first 30 days of card issuance.
  • EMI Cashback: Enjoy a 5% cashback (up to ₹1,000) on the first EMI transaction made within 30 days of card issuance.
Rewards Points Program
  • 10X Reward Points: On spends above ₹30,000 in a billing cycle.
  • 10X Reward Points: On all transactions made on your birthday.
  • 6X Reward Points: On online purchases.
  • 3X Reward Points: On offline purchases.
  • Redemption: You can easily redeem reward points through the Poshvine portal where 1 Reward Point is equal to ₹0.25. These points can be redeemed to get shopping vouchers from various brands.
Travel and Lounge Access
  • Airport Lounge Access: Every quarter users get up to 4 complimentary visits to domestic and international airport lounges.
  • Spa and Railway Lounge Access: Every quarter cardholders also get up to 4 complimentary visits to spas and railway lounges.
Golf Privileges
  • Complimentary Rounds: Cardholders can also avail up to 2 complimentary rounds of golf each month by spending ₹20,000 in the previous month.
Insurance Benefits
  • Air Accident Cover: Coverage up to ₹1 crore.
  • Personal Accident Cover: Coverage up to ₹10 lakh.
  • Lost Card Liability: Coverage up to ₹50,000.
  • Travel Insurance: Comprehensive travel insurance up to $1,200, applicable if at least one transaction is made in the last 30 days.
Fuel Surcharge Waiver
  • 1% Waiver: On all fuel transactions across all fuel stations in India with a waiver cap of ₹400 per month.
Dining Benefits
  • Discounts: Up to 20% off at over 1,500 restaurants.
Foreign Currency Markup
  • Low Markup Fee: 1.5% on all international transactions.

IDFC FIRST Wealth Credit Card Eligibility:

Eligibility Criteria of IDFC FIRST Wealth Credit Card

  • Age: Applicants must be above 21 years of age.
  • Income: Annual income should exceed ₹36 lakh.

Documents Required

  • Proof of Identity: Aadhaar, Passport, etc.
  • Proof of Address: Aadhaar, Passport, Voter ID, etc.
  • Proof of Income: ITR receipt or salary slips.

Note: IDFC FIRST Bank may request additional documents as per their internal policies.

Fees and charges that apply to IDFC FIRST Wealth Credit Card:

Fee / Charge Amount/Rate
Annual Fee Nil
Joining Fee Nil
Finance Charges 0.75% to 3.5% per month, depending on the cardholder's credit history
Foreign Currency Markup 1.5% on all international transactions
Cash Advance Charges ₹199 per transaction
Late Payment Charges 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1,250
Reward Redemption Fee ₹99 + GST
Fuel Surcharge 1% waiver on fuel transactions, up to ₹400 per month
Over Limit Penalty 2.5% of the over-limit amount
Card Replacement Fee ₹100
Minimum Repayment Amount 5% of the outstanding balance
Cash Advance Limit As specified by the bank
Add-on Card Fee Nil
Annual Percentage Rate 42%
Fuel Transaction Surcharge 1%
Reward Point Value ₹0.25 per point
Spend-Based Waiver Not applicable
EMI Conversion Available for transactions above ₹2,500
Balance Transfer Facility available
Concierge Services 24/7 access for booking dining, travel, and more
Roadside Assistance Worth ₹1,399, available up to 4 times annually across India
Movie Ticket Offer Buy 1 Get 1 on movie tickets up to ₹500, valid twice a month on the Paytm app
Health & Wellness Discount 15% off at over 3,000 centers
Golf Rounds Up to 2 complimentary rounds monthly on spending ₹20,000 in the previous month
Spa Access Complimentary access at select airports
Railway Lounge Access Complimentary access at select railway lounges
Travel Insurance Coverage up to $1,200, valid with at least one transaction in the last 30 days
Personal Accident Cover Coverage up to ₹10 lakh
Air Accident Cover Coverage up to ₹1 crore
Lost Card Liability Coverage up to ₹50,000
Lounge Access Up to 4 complimentary visits to domestic and international lounges per quarter
Dining Discounts Up to 20% off at over 1,500 restaurants
Reward Points Expiry As per bank's policy
Reward Points Accrual 10X on spends above ₹30,000; 10X on birthday spends; 6X on online spends; 3X on offline spends

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

The IDFC FIRST Wealth Credit Card is free for lifetime. So it costs you no money without bourdening the cardholder.

Cardholders earn 10X reward points on spends above ₹30,000, 10X on birthday spends, 6X on online purchases, and 3X on offline purchases.

You can easily redeem IDFC FIRST Wealth Credit Card points through the Poshvine portal. These points can be used to make purchases from various brands where one point is equal to ₹0.25. .

To apply for the IDFC FIRST Wealth Credit Card the applicants must be above 21 years of age with an annual income exceeding ₹36 lakh.

This credit card offers up to 4 complimentary visits to domestic and international airport lounges per quarter. Along with it cardholder also gets spa and railway lounge access.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for IDFC FIRST Wealth Credit Card on
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