IDFC First Bank
IDFC FIRST Wealth Credit Card
Best for lifetime-free, rewards, premium
Lifetime free · 3x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
3x
Min. income
₹8,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹8 lakh/yr · CIBIL 750+
Reward cap
Not specified
Welcome benefit
Quarterly wealth concierge sessions on spends milestones (varies by program year)
Who is this for
- Fee-averse spender
- Rewards optimiser
- Premium cardholder
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 2015
Website
www.idfcfirstbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Not waivable |
| Forex markup | Not published | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹200 and ₹5,000 (max ₹300 per statement cycle) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3X reward points + wealth-services benefits (relationship pricing, premium wealth advisory) | Not specified | 1 Reward Point = ₹0.25 |
| DINING | 5.00 | ₹3,000/month | 0.25 |
| TRAVEL | 5.00 | ₹3,000/month | 0.25 |
Benefits
-
Domestic lounge access
8 domestic lounge visits per year (2/quarter)
-
International lounge access Highlight
2 international lounge visits per year (on milestone)
-
Milestone benefits Highlight
Quarterly wealth concierge sessions on spends milestones (varies by program year)
-
Fuel surcharge waiver
1% waiver on fuel transactions between ₹200 and ₹5,000
Eligibility
- Age
- 21–65 years
- Min. income
- ₹8,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statement, investment proof
IDFC FIRST Wealth Credit Card is a VISA credit card from IDFC FIRST Bank. It is best suited for lifetime-free, rewards, premium.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 3X rewards + wealth benefits
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statement, investment proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the IDFC FIRST Wealth Credit Card apply walkthrough →
Apply for IDFC FIRST Wealth Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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