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Last updated: 01-06-2026
IDFC FIRST Wealth Credit Card
IDFC First Bank

IDFC FIRST Wealth Credit Card

"India's best lifetime-free premium card โ€” unlimited domestic lounge access, 10X dining rewards, 1.5% forex markup and โ‚น1 crore personal accident cover, all at zero annual fee"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free premium card
๐ŸŽฏ Best Suited For
Professionals earning โ‚น3 lakh+ per month who want premium travel benefits โ€” unlimited domestic lounge, 1.5% forex markup, 4 international lounge visits โ€” at absolutely zero annual fee
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25 for most; โ‚น0.50 for travel on Rewards Gallery; RPs never expire)
๐ŸŽ‰ Welcome Benefit
โ‚น2,000 gift voucher on spending โ‚น30,000 within 90 days of card activation; 5% cashback up to โ‚น2,000 on first EMI transaction within 90 days
๐Ÿ’ฐ Reward Rate
10X Reward Points on dining and travel (2.5% effective); 3X on all other spends; 1X on utilities, FASTag, insurance, railway; 20% bonus RPs on hotel and 10% on flights via Rewards Gallery; RPs never expire
โœˆ๏ธ Lounge Access
Unlimited complimentary domestic airport lounge access on spending โ‚น30,000 in the current calendar month; 4 international lounge visits per year via Priority Pass on โ‚น30,000 monthly spend; railway lounge access also available
๐Ÿ’ฑ Forex Markup
1.5% โ€” significantly lower than most premium cards and most free cards
โญ Rate this Card
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โœ… Pros
  • Truly lifetime free โ€” yet offers unlimited domestic lounge access
  • 1.5% forex markup โ€” extraordinary for a free card
  • 10X dining and travel rewards from day one
  • Reward Points never expire
  • Personal accident cover โ‚น1 crore and overseas hospitalisation โ‚น25 lakh
  • 4 international lounge visits per year on โ‚น30K monthly spend
  • India's lowest interest rate from 9% per annum
โŒ Cons
  • High income requirement: โ‚น3 lakh per month
  • Lounge access requires โ‚น30,000 monthly spend
  • Redemption fee โ‚น99 per transaction
  • Reward structure updated June 2026 โ€” verify current terms

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25 for most; โ‚น0.50 for travel on Rewards Gallery; RPs never expire)
Welcome Benefits
โ‚น2,000 gift voucher on spending โ‚น30,000 within 90 days of card activation; 5% cashback up to โ‚น2,000 on first EMI transaction within 90 days
Reward Rate
10X Reward Points on dining and travel (2.5% effective); 3X on all other spends; 1X on utilities, FASTag, insurance, railway; 20% bonus RPs on hotel and 10% on flights via Rewards Gallery; RPs never expire
Reward Redemption
IDFC FIRST Rewards Gallery: flights and hotels at 1 RP = โ‚น0.50; other redemptions at โ‚น0.25 per RP; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น200 to โ‚น5,000
Lounge Access
Unlimited complimentary domestic airport lounge access on spending โ‚น30,000 in the current calendar month; 4 international lounge visits per year via Priority Pass on โ‚น30,000 monthly spend; railway lounge access also available
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
Reward Points never expire โ€” continuous accumulation; โ‚น2,000 welcome voucher on โ‚น30K spend in 90 days
Other Benefits
Personal accident cover โ‚น1 crore; emergency hospitalisation โ‚น25 lakh overseas; lost card liability โ‚น9 lakh; purchase protection; 20% off at 1,500+ restaurants; 15% off at 3,000+ wellness outlets; movie discounts; low interest from 9% per annum; 24x7 concierge; Digital RuPay UPI add-on

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (4 international visits per year on โ‚น30K monthly spend)
Insurance Cover
Personal accident cover โ‚น1 crore; emergency hospitalisation โ‚น25 lakh overseas; lost card liability โ‚น9 lakh; purchase protection; comprehensive travel insurance
Add-on Cards
Digital RuPay Credit Card for UPI payments (complimentary)
Concierge Services
24x7 concierge assistance
Special Offers
Unlimited domestic lounge on โ‚น30K monthly spend; 4 international lounge visits; 1.5% forex markup; 10X dining and travel rewards; โ‚น1 crore personal accident cover

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free premium card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
0.75% to 3.5% per month (9% to 42% per annum) โ€” starting from 9% per annum
ATM Cash Withdrawal / Cash Advance
โ‚น199 per cash withdrawal (interest-free for 48 days)
Late Payment Charges
15% of total amount due, minimum โ‚น100, maximum โ‚น1,300
Over Limit Charges
As per IDFC FIRST Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.5% โ€” significantly lower than most premium cards and most free cards
Other Charges
Lounge access requires โ‚น30,000 monthly spend; redemption fee โ‚น99 + GST; reward structure subject to periodic review โ€” verify current terms

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; minimum net monthly income โ‚น3 lakh; salaried or self-employed; Indian resident; strong credit history; 750+ CIBIL
Credit Score Requirement
750+ CIBIL recommended
Credit Limit
High credit limit based on income and IDFC FIRST Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500; instant EMI online
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per IDFC FIRST Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via IDFC FIRST Bank mobile app
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Purchase protection + โ‚น9 lakh lost card liability
Virtual Card Numbers
Virtual card via IDFC FIRST Bank app
Zero Liability Protection
Zero liability on unauthorized transactions after timely reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 500 9900 (24x7)
Chat / Email Support
Chat via IDFC FIRST Bank mobile app
Mobile App
IDFC FIRST Bank app: manage card, track RPs, pay bills, EMI, UPI via Digital RuPay add-on
Online Banking
Full management via IDFC FIRST Bank website and app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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