IDFC FIRST Wealth Credit Card

Gaurav

The IDFC FIRST Wealth Credit Card is a high-end card with no annual fees, making it a great choice for those who want premium benefits without extra costs. It has low interest rates (0.75% – 3.5%) and a small forex fee of 1.5%, which helps save money on international spending. The card comes with perks like free golf rounds, access to airport lounges worldwide, and insurance coverage of up to Rs. 1 crore for air accidents. You can also enjoy up to two free movie tickets each month. While the reward points are not as valuable as some other premium cards (₹0.25 per point), the overall benefits make up for it.

This card is meant for high-income individuals earning Rs. 36 lakh or more per year, but it remains free for life. A major advantage is that reward points never expire, which is a feature usually found in expensive cards. Over time, some of its original benefits have been reduced, but it is still a good option for those who want premium features without paying annual fees. However, if you are looking for better rewards and don’t mind paying a fee, other cards like HDFC Diners Club Black, HDFC Regalia Gold, and SBI Card Elite might offer more value, with fees between Rs. 2,500 and Rs. 10,000.

Credit Card Detail
IDFC FIRST Wealth Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Movies | Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get gift vouchers worth Rs. 500 from popular brands when you spend over Rs. 5,000 within 30 days, plus a 5% cashback on your first EMI transaction within the first 30 days.
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Rewards Rate
Earn 3X RP for every Rs.150 spent up to Rs. 20,000 each month. After that, earn 10X Reward Points on any additional spending above Rs. 20,000.
Reward Redemption
Redeem Reward Points on the Poshvine portal for shopping vouchers from popular brands. 1 point = Rs. 0.25.
Movie & Dining
Enjoy a Buy One Get One offer on movie tickets (up to Rs. 250) twice a month on the Paytm app, plus up to 20% off at over 1,500 restaurants.
Travel
Complimentary Spa Access at Popular Airports and Free Railway Lounge Access
Golf
Get free golf rounds every month for every Rs. 20,000 spent in the previous month (up to 2 rounds).
Domestic Lounge Access
Up to 2 Free Visits to Domestic Airport Lounges Per Quarter
International Lounge Access
Up to 2 Complimentary International Lounge Visits Per Quarter
Insurance Benefits
Get travel insurance benefits, including ₹1 crore for accidental air death, ₹10 lakh for personal accidents, and ₹50,000 for lost card liability.
Interest Rates
0.75% to 3.5% per month depending upon the credit history of the card member.
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Cash Advance Charges
Rs. 199 per transaction
Foreign Currency Markup
1.50% +GST
Fuel Surcharge
1% Waiver Upto Rs. 400 Each Month for Fuel Transactions Between Rs 200 and Rs. 5,000
Card Details
  • Gift voucher worth ₹500 on spending ₹5,000 within 30 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 10x Reward Points on large spends of ₹20,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low-interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • Two complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending ₹20,000 monthly.
  • Air accident coverage worth ₹1 crore, and personal accident coverage worth ₹10 lakh.
Pros/Cons
Pros
- The IDFC FIRST Wealth Credit Card is a lifetime-free card with no annual fees. It also comes with a complimentary welcome voucher worth Rs. 500.
Cons
- The reward rate for this premium card is mediocre, with one reward point equaling ₹0.25.
Related Credit Cards

IDFC FIRST Classic Credit Card

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IDFC Bank First Private Credit Card

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IDFC FIRST EARN Credit Card

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IDFC FIRST Multi-Currency Forex Card

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Frequently Asked Questions

While the reward rate is the same across IDFC Wealth, Millennia, and Select cards, the Wealth variant offers more premium benefits like lounge access and lifestyle perks.

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