The IDFC FIRST Wealth Credit Card is a premium, lifetime-free credit card designed for high spenders and frequent travelers, offering a rich blend of travel, lifestyle, rewards, and insurance benefits. It targets individuals with an annual income of ₹36 lakhs and above or those with a Wealth account relationship at IDFC FIRST Bank.
Key Features of IDFC FIRST Wealth Credit Card
▪️Lifetime Free Card: No joining or annual fees.
▪️Reward Points: Earn up to 10X reward points on incremental spends above ₹20,000 in a monthly cycle, and 3X points on other spends like education, wallet loads, and government services.
▪️Welcome Benefits: ₹500 gift vouchers on spending ₹5,000 within 30 days, plus 5% cashback on the first EMI transaction.
▪️Travel Perks:Avoid Credit Card Debt
▫️Complimentary lounge access: Up to 4 combined domestic and international airport lounge visits per quarter with a minimum monthly spend of ₹20,000 to activate.
▫️Complimentary spa visits and 4 railway lounge accesses per quarter.
▫️Low forex markup fee of 1.5% on international transactions.
▫️ Airport limousine discounts and concierge services.
▫️ Access to luxury hotel benefits globally.Best cashback credit card
▪️Golf Benefits: Complimentary golf rounds (up to 2 per month) on monthly spends of ₹20,000.
▪️Dining and Entertainment Offers:Up to 20% dining discounts at over 1,500 restaurants
▪️Buy One Get One Free movie tickets twice per month, capped at ₹250 each
▪️Fuel Surcharge Waiver: 1% waiver on fuel transactions up to ₹400 per month.
▪️Interest-Free ATM Withdrawals: Up to 48 days of interest-free cash withdrawals.
▪️EMI Conversion: Transactions above ₹2,500 can be converted into easy EMIs at low-interest rates.
Insurance Coverage:
Air accident cover up to ₹1 crore.
Personal accident cover up to ₹10 lakh.
Coverage for loss/delay of checked baggage and passport, flight delays, etc.
benefits summary table
Here is an updated benefits summary table for the IDFC FIRST Wealth Credit Card as of 2025:
| Feature | Description |
|---|---|
| Annual Fee | Lifetime free, no joining or annual fees |
| Reward Points | 10X points on incremental spends above ₹20,000 per statement cycle; 3X on spends up to ₹20,000 |
| 3X points on Education, Wallet Load, Government services, Rent, Property Management | |
| Reward Points Value | 1 reward point = ₹0.25 |
| Lounge Access | 2 complimentary international + 2 domestic airport lounge visits per quarter |
| 4 railway lounge accesses per quarter | |
| Requires minimum monthly spending of ₹20,000 to activate lounge and spa benefits for next month | |
| Forex Markup Fee | Low fee at 1.5% on foreign currency transactions |
| Dining Offers | Up to 20% discount at 1,500+ restaurants |
| Movie Benefits | Buy One Get One Free movie tickets twice a month, capped at ₹250 each |
| Fuel Surcharge Waiver | 1% waiver on fuel transactions up to ₹400 per month |
| Golf Benefits | 2 complimentary golf rounds per month on ₹20,000 monthly spend |
| EMI Conversion | Transactions above ₹2,500 can be converted into easy EMIs at low interest |
| Insurance Coverage | Air accident cover up to ₹1 crore; personal accident cover ₹10 lakh |
| Trip cancellation protection up to ₹10,000 | |
| Cash Withdrawals | Up to 48 days of interest-free ATM cash withdrawals |
| Roadside Assistance | Complimentary roadside assistance cover worth ₹1,399 |
| Welcome Benefits | ₹500 gift voucher on spending ₹15,000 within 90 days of card issuance |
This card is ideal for high spenders with lifestyle and travel needs who want extensive reward points and premium benefits without an annual fee, provided they meet the minimum spend criteria for some benefits like lounge access and golf .