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.
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
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.
IDFC FIRST Bank
Airport Lounge Access
Cashback
Reward
