Login

Idfc First Wealth Credit Card

The IDFC FIRST Bank forayed into the credit card business with the launch of a line-up of four exclusive credit cards – IDFC FIRST Millennia, FIRST Select, FIRST Classic, and FIRST Wealth credit cards. The IDFC FIRST Wealth credit card is the top-end offering by the bank. Despite its premium features, like the other three cards in the line-up, the Wealth Credit Card also comes with a zero annual membership fee. The card also has a low-interest rate (0.75% – 3.5%) and a meager forex markup fee of just 1.5% of the transacted amount. As it is a premium offering of the bank, you also get benefits like complimentary rounds of golf, complimentary international as well as domestic lounge visits, and multiple insurance covers, including an air accident insurance cover worth Rs. 1 crore. Not just this, but you can also avail of up to 2 free movie tickets each month and make your movie experiences even more rewarding with this card.

Check your Idfc First Wealth Credit Card eligibility

Grab an Idfc First Wealth Credit Card with just a click and get exciting rewards and offers

Note: It will not affect your score

Idfc First Wealth Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

Apply Now

reward and benefits +

Movie & Dining

Buy One Get One offer on movie tickets up to Rs. 500 on the Paytm app, twice every month and up to 20% discount on over 1,500 restaurants.

Reward Redemption

Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25. You have to pay a convenience fee of Rs. 99 plus taxes for reward redemption.

Golf

Complimentary golf rounds each month for every Rs. 20,000 spent in the previous month (max 2 golf rounds in a month).

International Lounge Access

Up to 4 complimentary international lounge visits per quarter.

Rewards Rate

3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.

Travel

You get 4 complimentary international as well as domestic lounge access and spa visits every year.

Domestic Lounge Access

Up to 4 free visits to domestic airport lounges per quarter.

Insurance Benefits

Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000

free & charges +

Interest Rates

0.75% to 3.5% per month depending upon the credit history of the card member.

Rewards Redemption Fee

Rs. 99 plus taxes

Fuel Surcharge

A 1% fuel surcharge is waived at all authorized fuel stations (max waived amount capped at Rs. 400/month).

Foreign Currency Markup

1.5% + GST

Cash Advance Charges

Rs. 199 per transaction

product details +

  • A lifetime free card with exciting privileges.
  • Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 6x Rewards on all online spends.
  • 3x RPs on all offline spends (for spends up to Rs. 30,000).
  • 10x Reward Points on large spends of Rs. 30,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • 4 complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending Rs. 20,000 monthly.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 1% fuel surcharge waiver.

    • pros / cons +

    Pros

    • One of the biggest pros of the IDFC FIRST Wealth Credit Card is that it is a lifetime-free card without any annual charges or fees.
    • Complimentary welcome vouchers worth Rs. 500.

    Cons

    • The reward rate for this premium card is poor, with one reward point equaling Re. 1