IDFC FIRST Wealth Credit Card in India

**Disclaimer: IDFC Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only.

 

IDFC FIRST Bank Wealth credit card is a top-tier credit card offered by IDFC FIRST Bank. This IDFC Bank credit card comes with exclusive benefits such as evergreen rewards, unique lifestyle and travel benefits, low-interest rates, extremely low foreign mark-up fee, and so much more. If you are looking to apply for a credit card, browse through the IDFC Wealth credit card details below so that you can make an informed choice.

What are the IDFC FIRST Wealth Credit Card Features and Benefits?

The IDFC FIRST Wealth credit card benefits and features are designed to make your transactions easy. Here are some of the top credit card benefits you can expect to enjoy.

No Joining or Annual Fee

The IDFC FIRST Wealth card is a lifetime free credit card. As a result, you do not need to pay an annual fee to use the card.

Welcome Benefits

You get a welcome voucher worth ₹500 against spends worth ₹15,000 or more on your IDFC FIRST Wealth credit card, within 90 days of card issuance. You also get 5% cashback on the transaction value on your first EMI purchase within 90 days of card issuance.

Complimentary Lounge and Spa Access

The IDFC Wealth credit card offers 4 complimentary access (per quarter) to select domestic and international airport lounges as well as Spa centres at airports in India. You also get 4 complimentary access per calendar quarter to participating railway stations in the country.

Free Movie Tickets

When you buy one movie ticket via the Paytm Mobile App, you get up to ₹500 off on your second ticket by using your IDFC FIRST Bank Wealth credit card. You can avail two free tickets in a month.

Dining and App Discounts

You get up to 20% discount at over 1,500 restaurants in the country when you use your IDFC Wealth credit card to pay. You also get up to 15% at over 3,000 health and wellness outlets and access to over 50 in-App discounts.

Premium Golf Benefits

The IDFC Wealth credit card gives you access to 2 complimentary golf rounds in a month.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver (worth up to ₹400/month) when you use your IDFC FIRST Wealth credit card domestically to purchase fuel.

EMI Conversion

You can easily and conveniently convert all transactions of more than ₹3,000 into EMIs using the IDFC mobile app. You can also opt for EMI conversion of online transactions above ₹3,000 using the OTP page of the bank’s website.

Credit Card Balance Transfer

You can use the credit card balance transfer facility, available on the card, to clear dues of other bank credit cards conveniently using your IDFC FIRST Wealth credit card.

Other Benefits

The card comes with complimentary Roadside Assistance (RSA) all over India worth ₹1,399, which can be availed up to 4 times in a year. You also get Air Accident Cover of ₹ 1 crore, Personal Accident Cover of ₹10,00,000, Comprehensive Travel Insurance Cover of ₹22,500, and Lost Card Liability Cover of ₹50,000.

What are the IDFC Bank Wealth Credit Card Fees and Charges?

Type of Charge

Amount

Joining fee

Nil

Annual fee

Nil

Interest charge on purchases due

0.75% - 3% per month or 9% - 36% per year

Overdue interest (in case of non-payment of Minimum due by payment due date)

3.99% per month or 47.88% per year

Cash withdrawal charges

₹250

Add-on credit card fee

Nil

Late payment charges

15% of Total Amount Due (minimum ₹100 and maximum ₹1,000)

Over limit charges (up to 10%)

Nil

Returned cheque charges

₹250

Foreign currency mark-up

1.5%

Cash payment fee

Nil

Re-issue/ Replacement of credit card

₹100

Duplicate statement request charge

Nil

IDFC Bank Wealth Credit Card Reward Points

The IFDC Bank Wealth credit card comes with an extensive rewards program to make your transactions more fulfilling. The type of rewards you can earn are mentioned below:

  • 10X Reward Points against purchases made on your birthday.

  • 10X Reward Points on incremental spends more than ₹20,000/month.

  • 6X Reward Points against online spends worth up to ₹20,000/month.

  • 3X Reward Points against in-store purchases worth up to ₹20,000/month.

(1X = 1 Reward Point for every ₹100 spent; 1 Reward point = ₹0.25)

You can earn unlimited reward points on your card and redeem them at your convenience as they never expire. There are no fees required to redeem your credit card reward points. You can also opt to use your points to pay instantly for your online or in-store purchases.

Do note that fuel, cash withdrawal, insurance and EMI purchases do not contribute towards accumulating reward points.

What is the IDFC Wealth Credit Card Eligibility Criteria?

The IDFC FIRST Wealth credit card eligibility criteria are as follows:

  • You need to be at least 18 years of age.

  • You need to have a good credit score of 750 and above.

  • You must be a resident of India or a Non-Resident Indian.

If the bank requires any additional specifics based on your profile before you apply for credit card, it will notify you about the same.

How to Apply for an IDFC Bank Wealth Credit Card?

Once you have evaluated the different IDFC Bank credit card types and decided on the one for yourself, it is time to apply for the same. Please note that IDFC Bank credit cards, including the IDFC Bank Wealth credit card, are not available on the Finserv MARKETS website. However, if you wish to get the best IDFC Bank credit card online, you can apply via the bank’s official website. Alternatively, you can apply offline by calling the IDFC Bank credit card customer care or visiting your nearest IDFC Bank branch.

How to Contact IDFC Bank Wealth Credit Card Customer Care?

In case you have any queries, complaints, or suggestions concerning your IDFC Bank Wealth credit card, you can contact the IDFC Bank credit card customer care on 1860 500 1111. For your convenience, the service is available 24x7.

Frequently Asked Questions

  • ✔️How to contact IDFC Wealth credit card customer care?

    In case you are facing any challenges with your IDFC Bank wealth credit card, have any questions or complaints, or want to apply for a credit card, you can call the 24x7 IDFC Bank credit card customer care on 1860 500 1111.

  • ✔️What is the IDFC FIRST Bank Wealth Credit Card limit?

    The limit for your IDFC Bank Wealth credit card will be decided by the bank based on your profile. The bank would take into consideration several factors, such as credit history, credit score, etc., before deciding on the same.

  • ✔️What is the IDFC Wealth Credit Card eligibility?

    The IDFC Wealth credit card eligibility criteria require you to be at least 18 years of age, be a resident of India or a Non-Resident Indian, as well have a good credit score of 750 or above. If the bank requires any additional specifics based on your profile before you apply for a credit card, it will notify you about the same.

Happy Customers of Finserv MARKETS

Getting a loan to take care of my wedding and relieving my parents to enjoy the occasion was the best decision I ever made. Easy-to-apply, amazing interest rate and quick disbursal, what more can one ask for!

I am passionate about the vehicle I drive. I want to protect it with the best available option. What amazed me was the full transparency, quick quotes and the attractive discount on the premium while choosing the annual payment option!

Check your personal loan eligibility in seconds!

My husband and I will finally move into our own house this Diwali. All thanks to Finserv Markets, with competitive interest rates, minimal processing fees and easy to repay EMIs, our dream saw the light of reality in no time!

Get the best FD interest rates starting @ 8.40%. Let's start!

Kids grow up fast and to fulfill their dream trip to Disneyland I had everything but instant funds. With no collateral or guarantor required and a hassle-free processing, I gifted my family a memorable trip to Orlando with just a click!

Get sum insured up to 1 Crore! Let's start!

The best way to start looking for health insurance is to do a close study of the coverage needs and checking the insurance company's claim ratio. No unnecessary jargons, easy to apply claims process and choice of premium!

Zero additional charge on part-payment option on Business loans! Let's start!

I bought my first iPhone using my Bajaj Finserv EMI Network Card. Zero downpayment with a No cost EMI on Bajaj Finserv EMI store just made my day!

Get home loan sanctioned online in 72 hours! Let's start!