10X Reward Points on spends above ₹20,000 per cycle and on your birthday.
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.
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 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
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 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
Frequently Asked Questions
Everything you need to know about this credit card
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.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
IDFC FIRST Bank
Airport Lounge Access
Cashback
Reward Points
