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IDFC FIRST Bank Wealth Credit Card – Benefits, Rewards, Fees and Eligibility

Travel comfortably and upgrade your lifestyle with this premium credit card. This lifetime‑free card lets you earn 10X reward points, enjoy complimentary airport lounge visits, and more.

Joining Fee Nil

Offers 10X Reward Points

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Last updated on: Jul 03, 2026

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The IDFC FIRST Bank Wealth Credit Card is designed for users who want long‑term value without annual costs. It charges no joining or annual fee, offers 10X reward points on monthly spends above ₹20,000, and allows reward points to remain valid without expiry. You also get a low 1.5% forex markup and trip cancellation cover of up to ₹10,000. These features make it suitable for users seeking consistent benefits across travel and daily spending.

Key Highlights of IDFC FIRST Bank Wealth Credit Card

Here are the key details you should know about this credit card:

Feature	Details
Joining Fee	Nil
Annual Fee	Nil
Best For	Rewards on travel and lifestyle purchases
Key Feature	10X Reward Points on eligible spends Reward points with no expiry
Welcome Bonus	Gift voucher of ₹500 on spending ₹5,000 within the first 30 days

Disclaimer: The above-mentioned details are subject to change at the discretion of the issuer.

IDFC FIRST Bank Wealth Credit Card Benefits and Features

The IDFC FIRST Bank Wealth Credit Card offers a combination of travel privileges, accelerated rewards, lifestyle benefits, and premium protection features. The table below provides a consolidated view of its key benefits.

Benefit Category	Key Benefits	Value / Offer
Welcome Benefits	Welcome spend-based reward	Welcome voucher worth ₹500 on spending ₹5,000 or more within 30 days of card issuance
Rewarding Features	Accelerated rewards and bonus earnings	Up to 10X reward points on eligible spends above ₹20,000 in a billing cycle, 3X reward points on spends up to ₹20,000, 1X reward point on insurance and utility payments, and reward points that never expire
Travel Privileges	Airport lounges, railway lounges, spa access, and travel protection	Complimentary domestic and international lounge access, railway lounge access, spa benefits, and Cancel for Any Reason (CFAR) cover of up to ₹10,000 on eligible travel bookings
Luxury & Lifestyle Privileges	Premium lifestyle experiences and concierge services	Access to concierge services, airport meet-and-greet services, limousine transfer discounts, and exclusive partner lifestyle offers
Entertainment Benefits	Movie and leisure offers	Buy One Get One movie offer with savings of up to ₹250 on eligible movie ticket bookings
Golfing Privileges	Complimentary golf access	Up to 2 complimentary golf rounds per month on meeting spend criteria; revised programme offers 1 complimentary golf access per quarter subject to eligibility requirements
Insurance & Protection Benefits	Travel and transaction-related protection	CFAR cover up to ₹10,000, along with other applicable cardholder protection benefits as per programme terms
Everyday Spending Benefits	Rewards on routine transactions	Earn reward points on shopping, dining, insurance, utility bill payments, and travel bookings made through the bank's mobile application
Exclusive VISA Infinite Benefits	Premium Visa Infinite privileges	Concierge services, airport assistance, travel privileges, and selected luxury lifestyle benefits available under the Visa Infinite programme
Spend-Based Milestone Benefits	Benefits unlocked through monthly spending	Lounge and golf privileges are activated based on qualifying monthly spending requirements as per the prevailing programme structure
International Usage Benefits	Overseas spending advantages	Competitive 1.5% forex markup fee on international transactions and access to international airport lounge benefits
Value-Back Features	Savings and cashback-equivalent benefits	33% bonus reward points on hotel bookings and 13% bonus reward points on flight bookings made through the IDFC FIRST Bank Mobile App, along with fuel surcharge waivers of up to ₹400 per month
Limitations / Things to Consider	Conditions applicable to select benefits	Certain lounge access privileges, golf, and travel benefits are subject to minimum spend requirements. Benefit structures, access limits, and eligibility conditions may change periodically as per the issuer's policy.

Disclaimer: Benefits, reward structures, lounge access privileges, spend criteria, and partner offers are subject to change at the issuer's discretion. Refer to the latest card terms and conditions for updated information.

IDFC FIRST Bank Wealth Credit Card Fees and Charges

The IDFC FIRST Bank Wealth Credit Card is a lifetime-free card, but certain transactional charges may apply. The Annual Percentage Rate (APR) on IDFC FIRST Bank credit cards generally ranges from 8.5% to 46.2% per annum, depending on the card variant, credit profile, and usage behaviour.

Before you start using your IDFC FIRST Bank Wealth Credit Card, it’s a good idea to understand the applicable charges and fees:

Fee Type	General Range
Joining Fee	Nil
Annual Maintenance Fee	Nil
Rewards Redemption Fee	₹99
Interest Charges	Up to 3.85% per month or 46.2% per annum
Minimum Amount Due	5% as per this calculation: Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)
Late Payment Fee	15% of Total Amount Due (Minimum: Nil; Maximum: ₹1,300)
Foreign Transaction Fee	1.50% of the transaction amount
Cash Advance Fee	₹199

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

IDFC FIRST Bank Wealth Credit Card Eligibility Criteria

Understanding the eligibility terms helps you complete your application smoothly. To apply, you need to qualify as per the following terms:

Age: Between 21 to 80 years

Income: Minimum annual income of ₹36 Lakhs
Citizenship: Indian resident

Documents Required for IDFC FIRST Bank Wealth Credit Card

Here is the list of documents you may need to submit when applying for this credit card:

Document Type	Accepted Documents
Address Proof (any one)	Passport Aadhaar Card
Identity Proof (any one)	Aadhaar Card Driving Licence Voter ID Card Passport PAN Card
Income Proof	Bank statements Salary slips Income Tax Returns

How to Apply for IDFC FIRST Bank Wealth Credit Card Online

On Bajaj Markets you can compare credit cards and apply easily online. By prioritising the security of data, it is ensured that the process is safe.

To apply for the IDFC FIRST Bank Wealth Credit Card online, follow these steps:

Select ‘Check Card Offer’ and fill in your details, including date of birth, phone number, and occupation
Enter the One-Time Password (OTP) sent to your phone
Review your pre-filled details like PAN card number, residential PIN code, email address, and income information
Pick the card that best suits your needs from the options available
Click ‘Submit’ to complete your application

How to Maximise Rewards on IDFC FIRST Bank Wealth Credit Card

Here’s how you can earn points with the IDFC FIRST Bank Wealth Credit Card:

Earn 3X Reward Points on spending up to ₹20,000 in a statement cycle.

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Cash Value (₹)
Shopping	₹15,000	300	75
Dining	₹5,000	100	25
Groceries	₹5,000	100	25

Disclaimer: The above example is for illustration purposes only.

The FIRST Wealth Credit Card offers 10X Reward Points on purchases above ₹20,000 in a statement cycle and on your birthday.

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Cash Value (₹)
Shopping	₹25,000 (above ₹20,000)	1,666	417
Birthday Celebration	₹5,000	333	83

Disclaimer: The above example is for illustration purposes only.

You can earn 1 Reward Point on insurance premiums and utility bill payments.

Consider the following example:

Purchase (Monthly)	Amount	Reward Points	Cash Value (₹)
Insurance Premium	₹3,000	20	5
Utility Bills	₹1,500	10	3

Disclaimer: The above example is for illustration purposes only.

Note: 1X = 1 Reward Point (RP) on spending ₹200 where 1 RP = ₹0.25.

Redemption Process

To redeem your points, you can login to your credit card account and visit the PoshVine rewards redemption platform. Here, you will see the options to purchase vouchers to get discounts on shopping or shop instantly and use your points to save.

You can redeem reward points for any online transaction on bank’s OTP page by clicking on ‘Pay with reward points’ button available.

You can also buy gift cards and subscriptions from various partners across dining, education, entertainment and more.

Note: A redemption fee of ₹99 + GST applies for each transaction, so account for it when you go about this process.

Expiration

The best part about this card’s reward points is that they never expire.

Example of Savings

Here’s an overview of your expected annual expenses and potential savings based on the previous examples:

Category	Details	Conversion	Cash Value (₹)
Incremental Spending	Accelerated Category Spends (10X) Assuming spends of ₹25,000 p.m./ ₹3,00,000 p.a.	Reward Points = 20,000 10X (₹3,00,000/150)	5,000
Online & Offline Purchases	Accelerated Category Spends (3X) Assuming spends of ₹25,000 p.m./ ₹3,00,000 p.a.	Reward Points = 6,000 3X (₹3,00,000/150)	1,500
Spends on Insurance and Utilities	Normal Category Spends (1X) Assuming spends of ₹4,500 p.m./ ₹54,000 p.a.	Reward Points = 360 1X (₹54,000/150)	90
Movie Bookings	Twice a month ₹500 a month/₹6,000	-	6,000
Welcome Voucher	On spending ₹5000 within 30 days	-	500
Total Annual Savings	-	-	₹13,090

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

Important Update (Effective 18 January 2026):

The reward points earning base has been revised from ₹150 to ₹200 per Reward Point. This means your rewards will now be calculated on every ₹200 spent. Ensure you refer to this updated structure while reviewing the examples below.

You can redeem these points in the

following manner:

Getting immediate discounts on online shopping from partners like Myntra, Samsung Electronics, Apollo 24X7, and more

Paying with points at eligible retail stores

Buying gift cards and OTT memberships

IDFC FIRST Bank Wealth Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

- +

Tenure

- +

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DISCLAIMER

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Roshani Ballal

FAQs on IDFC FIRST Bank Wealth Credit Card

Are there any joining or annual fees for the IDFC FIRST Bank Wealth Credit Card?

No, there are no joining, membership, or annual fees that you need to pay on the IDFC Wealth Credit Card.

What is the interest rate on my credit card?

IDFC FIRST Bank credit cards offer interest rates between 8.5% to 46.2% per annum, depending on the product and the user’s profile.

What is the joining benefit offered by the IDFC FIRST Bank Wealth Credit Card?

Spend ₹5,000 or more within 30 days of activation to receive a ₹500 gift voucher from one of the partnered brands.

Can I get complimentary airport lounge visits on the IDFC FIRST Bank Wealth Credit Card?

Yes. You receive the following benefits:

2 domestic lounge/spa visits per quarter
2 international lounge visits per quarter
Spend ₹20,000 in the current month to unlock lounge access for the next month

Note: Lounge access norms change from 1 April 2026. Ensure you review updated terms.

What is the movie offer on the IDFC FIRST Bank Wealth Credit Card?

You get a buy-one-get-one offer on movie tickets twice a month via the District by Zomato app. It allows you to save up to ₹6000 annually.

How do I know if I’m eligible for CFAR?

You're eligible if you make at least one transaction in the calendar month before the policy starts.

Can I get complimentary golf benefits by using the IDFC FIRST Wealth Credit Card?

Yes, you get up to 2 complimentary rounds of golf or lessons per month after spending ₹20,000 in a statement cycle.

What type of card is the IDFC FIRST Bank Wealth Credit Card?

It is a premium lifestyle credit card that offers travel, reward, and value‑based benefits, including lounge access, non‑expiring reward points, and bonus earning opportunities.

Is the IDFC FIRST Bank Wealth Credit Card worth it?

It may be suitable if you want a lifetime‑free card with travel perks, non‑expiring reward points, and a low forex markup. Its benefits work best if you spend regularly and cross the monthly threshold needed to unlock accelerated rewards.

What are the key charges on the IDFC FIRST Bank Wealth Credit Card?

The card has no joining fee and no annual fee. Other charges apply as per standard terms, such as a 1.5% forex markup, ₹199 ATM withdrawal fee, and ₹99 + GST redemption fee for reward redemptions. Fuel surcharge waivers apply up to the specified limit.

How can I apply for the IDFC FIRST Bank Wealth Credit Card?

You can apply online through the bank’s website or mobile app. Submit your basic details, upload the required documents, and complete the verification process. Approval depends on your income, credit profile, and eligibility criteria.

How do I earn maximum rewards with the IDFC FIRST Bank Wealth Credit Card?

You can maximise rewards by crossing the ₹20,000 spend threshold early in the billing cycle, which unlocks 10X accelerated points on eligible spends. You also earn additional points on birthday purchases and bonus points on hotel and flight bookings made through the bank’s mobile app. Ensure your spends fall under eligible categories to receive higher rates.

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