How to Apply for the IDFC FIRST Wealth Credit Card in 2026
Apply for the IDFC FIRST Wealth Credit Card with 10X reward points on every spend. Income thresholds, eligibility, and the application process.
FinWiz24 Editorial
The IDFC FIRST Wealth Credit Card is a lifetime-free super-premium card with 10X reward points on every spend (no category restriction), 3X on EMI purchases, 1% fuel surcharge waiver, 4 free ATM cash withdrawals per month, and 2 domestic + 1 international lounge visit per year. The card is targeted at high-net-worth individuals who want a no-fee card with the highest flat-rate rewards.
Why this matters
IDFC FIRST Wealth is the highest-reward lifetime-free card in India. The 10X on all categories with no restriction is unmatched — even premium paid cards don't offer 10X on all categories. If you spend ₹1 lakh/month, the 10X gives you 10,000 points/month, redeemable for ₹10,000 in cashback. The 2+1 lounge visits are a useful secondary benefit.
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How to Apply for the IDFC FIRST Wealth Credit Card in 2026
Common mistakes to avoid
The 10X is uncapped but excluded from fuel, EMI, and cash advances. The 2+1 lounge visits are via Dreamfolks — register before your first travel. The 4 free ATM withdrawals are subject to a limit of ₹15,000 per withdrawal.
Pro tips
- Use Wealth as your default card for all retail spends to maximise 10X
- Pair with IDFC FIRST Select for travel and dining
- Register on Dreamfolks and link the card before your first trip
- Track the 4 free ATM withdrawals per month
Frequently asked questions
Is IDFC FIRST Wealth lifetime free?
Yes. The card has no joining or annual fee. There is no fee waiver target.
What is the 10X cap?
10X on all retail is uncapped. There is no monthly cap.
Does the 10X apply to fuel?
No. The 10X is excluded from fuel, EMI, and cash advances.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.