IDFC First Bank
IDFC FIRST Wealth Credit Card
Data last verified: 27 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate0.38% base, up to 1.25% on dining
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup0%
- Interest (APR)0.71% a month, 8.52% a year
Wealth earns reward points on every spend and 10X points on spends above Rs 20,000 in a billing cycle. Utility bills earn a lower rate. You also get buy one get one movie tickets and complimentary golf rounds each month when you spend Rs 20,000 in the previous month.
There is no joining or annual fee, which is rare for a card with lounge and golf benefits. With 0% forex markup, it is also one of the cheapest cards to use abroad.
It suits high earners who want premium perks without a fee. The catch is eligibility, with a monthly income of about ₹3 lakh. Airport lounges, 1 domestic and 1 international visit a quarter, also need Rs 20,000 spend in the previous month.
Best for: High earners who want no annual fee, International travellers, Golfers, Moviegoers.
01IDFC FIRST Wealth Credit Card Rewards and Benefits
02IDFC FIRST Wealth Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- 0.71% a month (8.52% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.38%₹57
- Back each month, ₹1,440 a year₹120
- In your pocket each year₹1,440
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining: 1.25% back
- Travel: 1.25% back
- Anyone who wants no annual fee, ever
- Flyers: 8 airport lounge visits a year
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- most of your spending is fuel or foreign spends: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on dining or travel: the 1.25% rate applies only there, everything else earns 0.38%
- you sometimes pay only the minimum due: interest of 0.71% a month (8.52% a year) outweighs any reward
04Product Details
- Lifetime free, no joining or annual fee
- 10X reward points on spends above ₹20,000 a billing cycle
- 1 domestic and 1 international lounge visit a quarter on ₹20,000 previous-month spend
- 4 railway lounge visits a quarter
- Golf rounds for every ₹20,000 spent in the previous month
- 0% forex markup, UPI enabled
05Pros and Cons
Pros
- Lifetime free with premium perks
- 0% forex markup
- Buy one get one movie tickets
- Railway lounges with no spend condition
Cons
- Needs a monthly income of about ₹3 lakh
- Airport lounge visits are spend-linked
- Base earning is only about 0.38%
- Low earning on utility bills
06How IDFC FIRST Wealth Credit Card earns Rewards
0.38% base, up to 1.25% on dining.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.38% | No cap | The card's normal rate |
| Dining and food delivery | 1.25% | No cap | All merchants in the categoryTerms: 10 RP per ₹200 (~1.25%) on dining |
| Groceries | 0.38% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.25% | No cap | All merchants in the categoryTerms: 10 RP per ₹200 (~1.25%) on travel (in-app travel redeems at the same ₹0.25/point) |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.13% | No cap | All merchants in the categoryTerms: 1 RP per ₹200 (~0.125%) on utilities, insurance, FASTag & railway |
| Rent | 0.38% | No cap | The card's normal rate |
| Insurance premiums | 0.38% | No cap | The card's normal rate |
| School and college fees | 0.38% | No cap | The card's normal rate |
| Wallet top-ups | 0.38% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | Earns nothing | - | earns nothing on this card |
| Everything else | 0.38% | No cap | The card's normal rate |
Terms on the base rate. 3 RP per ₹200 (~0.375%) on other eligible spends; birthday spends earn 10X; base cut from ₹150 to ₹200/point on 18 Jun 2026; points expire 24 months, capped to credit limit per cycle
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07IDFC FIRST Wealth Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year, international is 4 visits a year. Railway lounges: 16 visits a year. Spend Rs 20,000 in the previous month for lounge access. Spending abroad carries a 0% forex markup; rewards on it: earns nothing. See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, insurance cover, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per statement cycle
- Golf privileges: 1 complimentary golf round per quarter (spend-gated on ₹20,000/cycle from 1 Apr 2026)
- Insurance cover: Air accident cover of ₹1 crore, personal accident cover of ₹10 lakh, lost-card liability of ₹50,000, travel insurance up to USD 1,200 and trip-cancellation (CFAR) cover up to ₹10,000 (two claims per policy period)
- Airport lounge access: 1 domestic + 1 international lounge visit per quarter (from 1 Apr 2026), gated on ₹20,000 prior-month spend
- Movie ticket offers: Buy-1-Get-1 movie ticket via the District app, up to ₹250 off the second ticket, twice a calendar month, unlocked by ₹20,000 of spend in the prior calendar month
08IDFC FIRST Wealth Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
- Minimum monthly income
- ₹3,00,000
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 26 Oct 2026 | Reduced: International spends stop earning reward pointsSource: IDFC First Bank | Reward points on international spends at the card's own rate | No reward points on international spends |
| 15 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 9 Sept 2026 | Changed: Forex markup removedSource: IDFC First Bank | 1% to 3.5%, depending on the card | 0% (nil) |
| 18 Jun 2026 | Reduced: Points get 24-month expiry + credit-limit earn capSource: IDFC First Bank | Points never expired; no per-cycle earn cap; movie BOGO ungated | 24-month expiry; rewards capped to credit limit/cycle; movie BOGO needs ₹20k spend |
| 1 Apr 2026 | Reduced: Complimentary lounge visits halved | 2 domestic + 2 international per quarter | 1 domestic + 1 international per quarter |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Wealth Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 0.38% base, up to 1.25% on dining | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 0% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
11Explore More
Card facts last verified 27 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST Wealth Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is there an annual fee?
No, it is lifetime free with no joining or annual fee.
What is the forex markup?
None. IDFC FIRST charges 0% forex markup on any of its credit cards since September 2026.
How many airport lounge visits do I get?
1 domestic and 1 international visit a quarter, once you spend ₹20,000 in the previous month.
Who can apply?
Applicants aged 21 to 65 with a monthly income of about ₹3 lakh.
What is the joining fee for the IDFC FIRST Wealth Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Wealth Credit Card?
The annual fee is Free.
Does the IDFC FIRST Wealth Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, international is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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