IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
Premium lifestyle card
Up to 10X rewards on every spend
1.5% forex markup on international transactions
Personalized Match by CredHunt • credhunt.com
Premium credit card designed for affluent individuals with comprehensive travel, lifestyle, and insurance benefits with spending-based milestone rewards
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Premium lifestyle card
Up to 10X rewards on every spend
1.5% forex markup on international transactions
2 domestic/international airport lounge visits quarterly
4 railway lounge visits quarterly
Up to 2 complimentary golf rounds/lessons monthly
Complimentary CHART titles/insignias
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
Standard reward points on other categories
Point Value
1pt=₹0.40
Points Expiry
N/A
Bonus Rewards
Welcome Offer
₹2,500 voucher on paid cards
Accelerated Rewards
5 reward points per ₹100 spent on ticket bookings at IRCTC website; 5% cashback on booking via Smart Buy; Additional reward Points on AC ticket booking
Card Benefits
Travel Benefits
4/year
2 Complimentary Airport lounge access every calendar quarter worldwide; Travel benefits with up to 10X Rewards on booking flight tickets/stays
Dining & Entertainment
50% more reward points when you dine out at a restaurant
BOGO tickets
Lifestyle & Protection
Shopping discounts
Air accidental cover - ₹1 crore; Emergency overseas hospitalization cover - ₹25 lakhs; Credit Shield cover
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver (₹400–₹5,000 per transaction) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waiver on spending ₹12,000 in the preceding year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹24L+
Expert Opinion
Innovative monthly fee structure card with strong merchant-specific benefits (up to 20% on popular platforms). The fee waiver on modest monthly spend (₹5,000) makes it accessible. The direct cashback model simplifies redemption but merchant-specific discounts may limit value if spending patterns change.
Customer Reviews
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Experience the premium benefits of the IDFC FIRST Wealth Credit Card today.