IDFC First Wealth
by IDFC FIRST Bank · Data verified 2 days ago
Lifetime free super-premium card with 1 domestic and 1 international lounge visit per quarter (on ₹20k monthly spend), 1.5% forex markup, and up to 10X reward points.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Lifetime free
- Zero forex
- Unlimited lounges
- Excellent value
Things to Consider
- Requires IDFC First relationship
- High income requirement
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Dining, Travel, International | — | |
| All other spends | — | |
| Insurance, Utilities, Railways, FASTag | — |
Domestic Lounges
4 per year
Int'l Lounges
4 per year
Travel Insurance
₹100L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹400/mo
Lost Card Cover
₹0
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •5X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •Trip Cancellation Cover up to ₹10,000
- •4 complimentary railway lounge visits per quarter, subject to ₹20,000 monthly spend
Special Offers & Features
- •Outstation Cheque Processing Fee: NIL
- •FASTag Fair Usage: 1% fee if recharges exceed ₹10,000 in a billing cycle
- •Railway Fair Usage: 1% fee if spends exceed ₹25,000 in a billing cycle
- •Overdue Interest Rate: 3.99% per month (47.88% annually)
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 12-22% p.a.
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC First Wealth
10X Reward Points on Dining, Travel & International — No Minimum Spend Required
IDFC First Wealth cardholders now earn 10X Reward Points on Dining, Travel, and International transactions from the very first transaction — the previous ₹20,000 minimum monthly spend requirement has been removed. Effective June 18, 2026.
Effective June 18, 2026. 10X reward points on Dining, Travel, and International purchases from first transaction. 3X on other retail spends. 1X on insurance, utilities, railways, FASTag. No reward points on fuel, EMI, or cash withdrawals. Dining and Travel identified via MCC codes.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC First Wealth
- • Min age: 21 years
- • Salaried: ₹83,333/month min
- • Self-employed: ₹125,000/month min
- • CIBIL: 750+ recommended
- ✓ Domestic: 4 per year
- ✓ International: 4 per year
- → 1 complimentary domestic airport lounge access per quarter (4 per year)
- → 1 complimentary international airport lounge access per quarter (4 per year)
- → Subject to minimum monthly spend of ₹20,000 in the previous calendar month to unlock for subsequent month
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC First Wealth today and unlock amazing rewards and premium experiences.
What Users Say
No reviews yet for IDFC First Wealth.
Be the first to share your experience!
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google