IDFC FIRST Bank Wealth Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC FIRST Bank Wealth Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/cashback.svg Cashback
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Cashback Cashback
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Welcome benefits:- Welcome benefits include Rs. 500 gift vouchers on Rs. 15,000 spend and 5% cashback (up to Rs. 1,000) on first EMI transaction within 90 days of card setup.

Check your eligibility For This Card

this will not affect your credit score

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC FIRST Bank Wealth Credit Card

The IDFC FIRST Wealth Credit Card is designed for high-income individuals (minimum income: Rs. 36 lakh/year). It offers two major benefits — lifetime free membership and non-expiring reward points. You also get complimentary lounge access, golf privileges, and a low forex markup.

However, the benefits have been reduced over time. It’s best suited for high-earners who want a no-fee card with basic rewards. If you're looking for more premium features, cards like HDFC Diners Club Black, HDFC Regalia Gold, or SBI Card Elite may offer better value, though they come with annual fees between Rs. 2,500 to Rs. 10,000.

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)

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

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)

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)

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 ChargeAmount
Joining feeNIL
Over limit feeNIL
Reward redemption feeNIL
Credit Card Interest Rate0.75% to 2.99% per month
Foreign exchange markup1.5%
Late payment fee15% of total amount due
Domestic and International cash advance feeRs.250

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

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

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

IDFC FIRST Bank Wealth Credit Card Hilights

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

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
     

Explore other Card Categories

Explore Cards from All Banks

Card Icon
You're Pre-Approved - Unlock Exclusive Credit Card Offers!
Choose from 80+ Credit Cards
Compare Top Deals Instantly
Apply Now