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IDFC FIRST Wealth Credit Card in India

The IDFC Wealth Credit Card belongs to the premium range of lifestyle credit cards available for high-income group individuals. This IDFC Bank Credit Card is free from joining or annual maintenance fees and comes with exclusive benefits.


Read on to learn everything that you must know if you are applying for the IDFC FIRST Bank Wealth credit card.   

What are the features and benefits of the IDFC FIRST Wealth Credit Card?

The IDFC Wealth Credit Card perks and characteristics are designed to make your transactions easy. Here are some top <a href="https://www.bajajfinservmarkets.in/credit-card/features-and-benefits-of-credit-card.html">credit card benefits</a> you can expect to enjoy.

No Joining or Annual Fee

The IDFC FIRST Wealth card is a <a href="https://www.bajajfinservmarkets.in/credit-card/lifetime-free-credit-card.html">lifetime free credit card</a>. This means there is no 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 of your first EMI purchase within 30 days of card issuance.

Complimentary Lounge and Spa Access

<p>The IDFC Wealth Credit Card offers 4 complimentary access (one for each quarter) to select domestic and international airport lounges. You can also use complementary facilities at spa centres within the country. </p> <p> </p> <p>You also get 4 complimentary access per calendar quarter to lounges at participating railway stations in the country. All these benefits and much more are accessible when you exceed the minimum monthly spends of ₹5,000.</p>

Free Movie Tickets

When you buy one movie ticket via the Paytm mobile app, you get a discount of up to ₹500 on your second ticket using your IDFC Wealth Credit Card. You can avail two free tickets in a month.

Dining and App Discounts

You get up to a 20% discount at over 1,500 restaurants in the country when you use your IDFC Wealth Credit Card. You also get a discount of up to 15% at over 3,000 health and wellness outlets.

Premium Golf Benefits

The IDFC Wealth Credit Card gives you access to 2 complimentary golf rounds in a month for all monthly spends of ₹20,000.

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 exceeding ₹2,500 into EMIs using the IDFC mobile app. You can also opt for EMI conversion of online transactions above ₹2,500 using the&nbsp;<a href="https://www.bajajfinservmarkets.in/banking/otp.html">OTP</a>&nbsp;page of the bank’s website.

Credit Card Balance Transfer

You can use the credit card balance transfer facility to clear dues of other bank credit cards conveniently.

Other Benefits

The card comes with complimentary Roadside Assistance (RSA) worth ₹1,399, which is applicable all over India. You can avail this up to 4 times a year. 

You are also eligible for the following insurance coverage with an IDFC Wealth Credit Card: 

  • Air Accident Cover of ₹1 Crore

  • Personal Accident Cover of ₹10 Lakhs

  • Lost Card Liability Cover of ₹50,000

  • Comprehensive Travel Insurance Cover of ₹22,500

Fees and Charges

The following table presents the fees and charges associated with the IDFC Wealth Credit Card:

Type of Charge


Joining fee


Annual fee


Interest charge on purchases due

0.75% - 3.5% per month or 9% - 42% per year

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

3.99% per month or 47.88% per year

Cash advance fee

₹199 per transaction

Add-on credit card fee


Late payment charges

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

Over-limit charges (up to 10%)


Returned cheque charges


Foreign currency mark-up


Cash payment fee


Re-issue/ Replacement of credit card


Duplicate statement request charge


Disclaimer: The credit card specifics provided in the table above are subject to change at the card issuer’s discretion. Check the issuer’s website for the updated credit card fees and charges details.  


Eligibility Criteria

The IDFC FIRST Wealth Credit Card eligibility criteria are as follows:

  • You need to be at least 18 years of age

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

  • Your annual income needs to be at least ₹36 Lakhs

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

How to Contact IDFC Bank Wealth Credit Card Customer Care?

In case you have any queries, complaints, or suggestions concerning your credit card reward points or any other feature, you can contact the bank’s customer support. You can get in touch with IDFC Bank Credit Card customer care through the following channels:


For your convenience, the bank allows you to access these services 24x7.

Frequently Asked Questions

How are the reward points awarded on IDFC Wealth Credit Cards?

On monthly spends of up to ₹30,000, this card offers 6X and 3X reward points for online and offline shopping, respectively. You can also earn 10X reward points on incremental spends exceeding ₹30,000 per month and on your birthday.

How can I redeem IDFC Bank credit card reward points?

You can redeem these credit card reward points to enjoy discounts on your online and in-store purchases. All you have to do is select the ‘Pay with Points’ option at the checkout.

How to contact IDFC Wealth Credit Card customer care?

If you are facing any challenges with your IDFC Bank Wealth Credit Card or have any questions or complaints, you can call the 24x7 IDFC Bank credit card customer care at 1800 10 888. You can also contact this toll-free number if you want to apply for a new credit card.

What is the IDFC FIRST Bank Wealth Credit Card limit?

The limit for your IDFC Wealth Credit Card will be decided by the bank based on your profile. The bank would take into consideration several factors, such as your 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 and a resident of India or a Non-Resident Indian. You also need to have a good credit score of 750 or above with an annual income of over ₹36 Lakhs. 


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.

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