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How to Apply for the IDFC FIRST Wealth Credit Card in 2026

Rahul Godeshwar's profile photo Rahul Godeshwar
3 min read
Reviewed by Darshil Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

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.

How to Apply for the IDFC FIRST Wealth Credit Card in 2026

How to apply Total time: 15 min · You’ll need: PAN, Aadhaar, salary slips, bank statement, mobile

Apply for the IDFC FIRST Wealth Credit Card with 10X reward points on every spend. Income thresholds, eligibility, and the application process.

  1. Check Wealth eligibility — You must be 18–70 years old, a resident Indian, with a minimum monthly income of ₹50,000 for salaried. CIBIL score of 750+ is preferred. Self-employed applicants need a minimum annual income of ₹6 lakh.
  2. Apply online via IDFC FIRST website — Visit idfcfirstbank.com → Cards → Credit Cards → Wealth. Click Apply Now. The form is pre-filled if you are an existing IDFC FIRST customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Upload income documents — Upload the latest 3 months’ salary slips and the last 6 months’ bank statement. Self-employed applicants must upload 2 years’ ITR with computation and Form 26AS.
  6. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in the IDFC FIRST app. Approval takes 7–10 working days.
  7. Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, IDFC FIRST app, or at any IDFC FIRST ATM by setting a 4-digit PIN.
  8. Use the card for all spends to earn 10X — Use the card for all retail spends to earn 10X reward points. The 10X is uncapped — no monthly cap. Track points in the IDFC FIRST app.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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