IDFC FIRST Wealth Credit Card benefits
- Fees
No joining or annual fee
with no spend condition
- Rewards10
reward points per ₹200 on dining, travel and international spends
- Rewards3
reward points per ₹200 on other eligible spends
- Rewards1
reward point is worth ₹0.25 against any online purchase
- Lounge1
domestic and 1 international lounge visit each quarter
- Lounge4
railway lounge visits a year
IDFC FIRST Wealth Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery10 reward points per ₹200 on dining and food delivery, from your first transaction since 18 June 2026. | 5 points per ₹100 | None |
| Travel10 reward points per ₹200 on travel. | 5 points per ₹100 | None |
| Bills and utilities1 reward point per ₹200 on utilities, insurance, railways and FASTag. | 0.5 points per ₹100 | None |
| Everything else | 1.5 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, EMI conversions, fees and charges, loans on the card, balance transfers, cash withdrawals and transactions below ₹200.
All reward rules
- IDFC FIRST Bank gives 3 reward points per ₹200 on eligible spends, which is 1.5 points per ₹100. International purchases also earn 10 per ₹200.
- 1 reward point is worth ₹0.25. IDFC FIRST Bank says you can redeem against any online purchase.
- Rent, government, wallet loads and education earn 3 points per ₹200.
- Points are earned only on spends up to your credit limit in each billing cycle. They are valid for 24 months.
What the IDFC FIRST Wealth Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “frequent traveller” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 0.38% | ₹135 |
| Dining and food delivery | ₹4,000 | 1.25% | ₹600 |
| Online shopping | ₹3,000 | 0.38% | ₹135 |
| Travel | ₹14,000 | 1.25% | ₹2,100 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.13% | ₹30 |
| Everything else | ₹3,000 | 0.38% | ₹135 |
| Total | ₹30,000 | ₹3,135 | |
| Renewal fee with GST | None | ||
| You keep | ₹3,135* |
IDFC FIRST Wealth Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
IDFC FIRST Bank says there is no joining or annual fee, ever, with no spend condition. Its documents give different forex markups (a May 2026 letter says 1.5%, and the card page shows 1%), so we do not show one. Check it before you travel.
IDFC FIRST Wealth Credit Card eligibility
- Salaried income
- ₹36,00,000 a year
- Self-employed income
- ₹36,00,000 a year
IDFC FIRST Bank asks for an annual income of ₹36 lakh or more. We could not confirm the age limits.
The bank alone decides approval and your credit limit.
IDFC FIRST Wealth Credit Card lounge access
4 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
1 domestic and 1 international airport lounge visit each quarter. Also 4 visits a year to lounges at select railway stations.
Is the IDFC FIRST Wealth Credit Card right for you?
A lifetime free card, paying 1.25% on dining and food delivery and a below-average 0.38% elsewhere.
Good for you if
- You spend a lot on dining and food delivery: the card pays 1.25% back there, against 0.38% on most other spends.
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You fly a few times a year: it includes 4 domestic and 4 international airport lounge visits a year.
Not for you if
- You want strong rewards on everyday spending: most spends earn 0.38%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IDFC FIRST Wealth Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IDFC FIRST Wealth Credit Card | Free | 1.25% | ₹1,755* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
| IndusInd Bank Tiger Credit Card | Free | 2.4% | ₹2,352* |
If most of your spending looks like the example above, the BOBCARD ETERNA Credit Card may suit you better: it would leave you ₹10,170 a year, against ₹3,135 with the IDFC FIRST Wealth Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Is the IDFC FIRST Wealth Credit Card lifetime free?
Yes. IDFC FIRST Bank says there is no joining or annual fee, with no minimum spend.
How many reward points does the IDFC FIRST Wealth Credit Card give?
It gives 10 reward points per ₹200 on dining, travel and international spends, and 3 per ₹200 on other eligible spends.
What is the value of IDFC FIRST Wealth reward points?
1 reward point is worth ₹0.25.
What is the income needed for the IDFC FIRST Wealth Credit Card?
IDFC FIRST Bank asks for an annual income of ₹36 lakh or more.