IDFC FIRST Wealth Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
10X reward points on Dining, Travel and International spends; 3X reward points on other online & offline spends; 1X reward points on insurance, utilities, railways and FASTag recharges; 1X = 1 reward point per ₹200 spent
Welcome Bonus
Gift vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up; 5% cashback (up to ₹1,000) on your first EMI transaction within 90 days of card set-up
Lounge
2 Domestic/Qtr + 2 International/Qtr (₹20K Spend)
Recent changes
Our Expert Take
IDFC FIRST Wealth is one of the stronger free premium cards available: 10X points on dining, travel and international spends, zero forex markup, and lounge, spa and golf access, all with zero annual fee. The catch is those lifestyle perks are gated behind monthly spend milestones, so consistent spenders get more out of it than occasional users.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
10X points on dining, travel, international and birthday spends; 3X elsewhere
Points only on spends up to your credit limit per billing cycle
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1X points on utilities, insurance, railways and FASTag
No limit
No rewards on: Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.
Where this card earns most
Paying directly in the app or site · 0.38% on other spends
Pros & Cons
Key Advantages
- Lifetime free, with no onboarding or annual fee
- 10X reward points on dining, travel and international spends
- Zero forex markup
- Earns points on categories many cards exclude, like rent, education, utilities and insurance
- Lounge access, spa visits and golf rounds included (domestic lounge visits reduced from 4 to 2 per quarter, effective 1 May 2026)
Limitations
- Low base reward redemption conversion metric locked at 1 point = ₹0.25
- Base reward rate yield (3X on other spends) underperforms for a premium-tier card segment
- Lounge, spa and movie privileges depend on hitting monthly spend milestones
Key Perks & Spending Milestones
10X reward points accrued for every ₹200 spent on Dining, Travel, and International retail purchases
3X reward points accumulated for every ₹200 spent on all other general online and offline transactions
1X reward points generated for every ₹200 spent on insurance premiums, utilities, railways, and FASTag recharges
20% bonus rewards on hotels and 10% on flight bookings via 'Travel & Shop' on the IDFC FIRST app (up to 8,000 bonus points)
Standard redemption value baseline where 1 Reward Point = ₹0.25 inside the network catalog or balance settlements
Earned reward points carry a validity life cycle of 24 months
2 complimentary domestic airport spa and lounge visits per quarter (conditioned on spending ₹20,000 or more in the preceding month)
2 complimentary international airport lounge visits per quarter (conditioned on spending ₹20,000 or more in the preceding month)
4 complimentary domestic railway lounge visits per quarter at select stations
2 complimentary golf rounds per month (conditioned on spending ₹20,000 or more in the previous monthly statement cycle)
Buy One Get One Free movie ticket feature on District by Zomato mobile app up to ₹250 off per ticket (valid twice per month on spending ₹20,000 or more in the previous month)
1 complimentary Visa Infinite global airport meet & greet service line per annum (conditioned on spending USD 1,000 on international PoS networks in the past 12 months) plus a flat 10% discount on additional booking lines
Discount on airport fast track immigration services at over 450 destinations worldwide via Visa Infinite
Complimentary night stay privileges at participating luxury ITC Hotels and Elivaas properties (Free 3rd night stay or 50% discount on the 2nd night)
Exclusive privileges (automatic room upgrade, VIP guest status, complimentary breakfast, late checkout) at 900+ luxury hotels worldwide
Zero forex markup on international spends (IDFC FIRST removed markup on all its credit cards from 18 Sep 2026)
1% transaction handling charge applies specifically on utility bill pipelines exceeding ₹20,000 within a single billing cycle
Fuel surcharge waiver protection of 1% across all petrol pumps in India on transactions between ₹200 and ₹5,000 (capped up to ₹300 saved per month)
Spend milestone
Spend ₹20,000 in a calendar month: Smoothly unlocks domestic lounge/spa permissions, international lounge entries, free golf rounds, and movie ticket discounts for the subsequent cycle
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
N/A (Offered at zero joining and annual fees)
Interest rate
8.5% p.a. to 46.2% p.a. (0.71% to 3.85% per month)
Insurance & Protection Benefits
air accident cover
Personal Air Accident protection shielding values up to ₹1 Crore
Eligibility Criteria
salaried minimum income
₹36 Lakh per annum
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good (720+)
Frequently Asked Questions
Did IDFC FIRST Wealth's lounge access change in 2026?
What's the reward rate on IDFC FIRST Wealth?
Are Wealth's lounge, spa and golf benefits conditional?
Compare IDFC FIRST Wealth Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Wealth Credit Card This Card | Free | 10X reward points on Dining, Travel and International spends; 3X... | 2 Domestic/Qtr + 2 International/Qtr (₹20K Spend) | 3.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |