IDFC FIRST Wealth Credit Card
IDFC FIRST Bank · Mid-tier · lifetime-free card
Annual / renewal fee
- Nil (Lifetime Free).
- Add-on Card Joining and Annual Fee ₹499.
VerifiedMost Important Terms & Conditions (MITC) - effective 18th June 202611 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Earn rate
- 10 reward points per ₹200 on Dining, Travel and International purchases.
- 3 reward points per ₹200 on eligible spends up to ₹20,000 in a monthly statement cycle.
- 3 reward points on Rent, Government, Wallet Load and Education.
- 1 reward point on Insurance, Utilities, Railway and Fastag.
- On associated FIRST Digital Credit Card: 3 points per ₹200 on transactions above ₹2,000 and 1 point per ₹200 up to ₹2,000.
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
A genuinely lifetime-free Visa Infinite card with lounge access, golf, a low 1.5% forex markup and reward points even on rent, utilities and insurance. The rewards are entry-level for the premium framing, and 2026 devaluations cut them further — but at zero fee it's a strong card to simply hold.
Best for
- Anyone wanting a truly lifetime-free card with lounge and travel perks.
- Occasional international spenders who value the 1.5% forex markup.
- People who spend on rent, utilities and insurance and want points there.
Official source not yet captured
Not ideal for
- Reward maximisers — the rate is entry-level despite the premium framing, and 2026 cuts reduced it further.
- Eligibility also needs around ₹36 lakh annual income.
Official source not yet captured
Fees
Joining fee
₹0 (Nil) - lifetime free.
VerifiedFIRST Wealth product page11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Annual / renewal fee
- Nil (Lifetime Free).
- Add-on Card Joining and Annual Fee ₹499.
VerifiedMost Important Terms & Conditions (MITC) - effective 18th June 202611 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Fee waiver
Lifetime free - no joining fee and no annual fee for the FIRST Wealth Credit Card, with no minimum spend condition required to waive the annual fee.
VerifiedFIRST Wealth product page11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Rewards
- 10 reward points per ₹200 on Dining, Travel and International purchases.
- 3 reward points per ₹200 on eligible spends up to ₹20,000 in a monthly statement cycle.
- 3 reward points on Rent, Government, Wallet Load and Education.
- 1 reward point on Insurance, Utilities, Railway and Fastag.
- On associated FIRST Digital Credit Card: 3 points per ₹200 on transactions above ₹2,000 and 1 point per ₹200 up to ₹2,000.
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM IST
Plain math
At ₹50,000/month of mixed spend you'd earn roughly 1,000+ points a year worth ~₹250+ — modest — but with zero fee, plus lounge, golf and a low 1.5% forex markup, the value is in holding it at no cost.
Award example
- For a ₹10,000 booking paid using 28,000 points (worth ₹7,000) and ₹3,000 via card, a ₹5,000 refund credits back 20,000 Reward Points.
- If refund was ₹8,000, customer receives 28,000 points (worth ₹7,000) and ₹1,000 back to card.
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Redemption value
- 1 Reward Point = ₹0.25.
- Reward Redemption Fee: ₹99 per redemption transaction.
- Reward Points valid for 24 months from date of credit.
- On Platform flight/hotel bookings, points can be redeemed to pay up to 70% of total booking value (incl. tax).
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Reward cap
- Base 3 RP rate applies on eligible spends up to ₹20,000 per monthly statement cycle.
- Accelerated travel bonus: total bonus reward points cap 8,000 per calendar month.
- Redemption cap: 1,00,000 reward points per calendar month and 2,00,000 per calendar year.
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Reward exclusion
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
- Airport lounges: 1 complimentary visit per quarter to participating airport lounges in Indian Airports (domestic and international) and 1 complimentary visit per quarter to lounges at select Global Airport Terminals (shared between primary and add-on cardholders).
- Railway lounges: up to 4 complimentary visits per quarter at participating railway lounges in India (shared, first-come-first-serve, up to 2 hours stay).
- All require minimum monthly spends of ₹20,000 (spends between 1st and last day of a calendar month count for access in the next month).
- Nominal ₹2 authorization charge to verify card validity.
VerifiedFIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms)11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Hotel benefit
- Accelerated Bonus Reward Points on hotel bookings via the IDFC FIRST Bank Mobile App 'Travel & Shop' platform: 20% Bonus Reward Points on hotel bookings (up to 25% total including base earn) and 10% Bonus Reward Points on flight bookings (up to 15% total).
- Effective January 18th, 2026.
- Bonus applies only on full swipe transactions completed without redemption of reward points.
VerifiedFIRST Wealth Credit Card - Reward Program Terms & Conditions11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Travel benefit
- Roadside Assistance: complimentary RSA all over India, up to 4 times in a year worth ₹1,399, through Global Assure.
- Travel insurance covering loss of checked-in baggage (USD 500), delay in flight (USD 300), delay of checked-in baggage (USD 100) and loss of passport and documents (USD 300) - payable only if air ticket purchased on the card.
- Booking cancellation refunds for reward points and card payments processed within 7 business days.
VerifiedFIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms)11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
₹500 gift voucher from choice of brands like Amazon, Bigbasket, Uber and Lifestyle on spending ₹5,000 within 30 days of card generation (30 days from the day you receive SMS/email confirmation that your card is generated).
VerifiedFIRST Wealth product page11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Concierge
Access to VISA concierge, a 24/7 digital personal assistant that gives access to extraordinary experiences and offers at premium brands.
VerifiedFIRST Wealth product page21 Jul 2026, 2:07 PM ISTIDFC FIRST Bank
Golf benefit
- One complimentary golf round or golf lesson every quarter, unlocked for every ₹20,000 of monthly statement spends using the FIRST Wealth Credit Card.
- Each complimentary benefit valid for 60 days from the day it is updated in the online account.
- Card Validation Fee of ₹2 applies when making a booking.
VerifiedFIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms)11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Insurance
- Complimentary insurance (New India Assurance): Personal Accident (accidental death/permanent disability) ₹10,00,000.
- Personal Air Accident ₹1,00,00,000.
- Card Liability Cover (lost card/counterfeit/skimming/online fraud) ₹50,000.
- Credit Shield ₹50,000.
- Purchase Protection ₹50,000.
- Travel Insurance - Loss of Checked-In Baggage USD 500, Delay in Flight USD 300, Delay of Checked-In Baggage USD 100, Loss of Passport and documents USD 300.
- All require at least 1 Purchase/ATM withdrawal in the last 30 days prior to the event.
- Travel covers require air ticket purchased on the card.
VerifiedFIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms)11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Milestone benefit
- Movie Buy-One-Get-One offer: buy one ticket and get up to ₹250 off on the second ticket on District app by Zomato, usable twice per user per card per calendar month (max discount ₹500 per month).
- Unlocked only on minimum monthly spends of ₹20,000 (spends in current calendar month give access in the next month).
- Also 1 complimentary golf round or golf lesson every quarter unlocked for every ₹20,000 of monthly statement spends.
VerifiedFIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms)11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Eligibility
Eligibility
- FIRST Wealth Credit Card add-on card available at joining and annual fee of ₹499.
- Card member entitled to apply for credit/cash limit review upon completion of 12 months of membership.
VerifiedFIRST Wealth product page11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Charges & interest
Forex markup
1.50% markup on foreign currency transactions and Dynamic & Static Currency Conversion Transactions.
VerifiedMost Important Terms & Conditions (MITC) - effective 18th June 202611 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Charge
- Cash advance transaction fee ₹199 per transaction.
- Finance charges (interest) Monthly Rate 0.71%-3.85%, Annual Rate 8.5%-46.2% (overdue interest Monthly 3.99% / Annual 47.88%).
- Late payment charges 15% of Total Amount Due of previous statement minus payments before due date (minimum ₹100, maximum ₹1,300; none if TAD less than ₹100).
- Over-limit charges 2.5% of over-limit amount (minimum ₹550).
- Return of cheque/Auto-Debit SI/Payment Return 2% of payment amount (minimum ₹500).
- Reward Redemption Fee ₹99 per redemption transaction.
- Card replacement fee ₹199.
- Fee on cash payment at branches, duplicate statement request, outstation cheque processing, cheque/cash processing and charge slip request all NIL.
- Rent & Property Management Fee 1% of transaction value (minimum ₹249, domestic only).
- Fair usage on Utility Spends 1% fee if total Utility Spends exceed ₹20,000 in a statement cycle.
- Fuel Fee 1% if total Fuel Spends exceed ₹30,000 in a statement cycle.
- Passenger Railways Transaction Fee 1% if total exceed ₹25,000 in a cycle.
- Tolls and Bridges Transaction Fee 1% if total exceed ₹10,000 in a cycle.
- Education Payment Fee 1% on Education Spends via third-party apps (minimum ₹249).
- GST at 18% on all fees, interest and charges.
- MITC effective 18th June 2026.
VerifiedMost Important Terms & Conditions (MITC) - effective 18th June 202611 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Fuel surcharge waiver
1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000, capped at a maximum of ₹300 per statement cycle (waiver capped at 1% of eligible fuel transaction amounts, excluding GST).
VerifiedMost Important Terms & Conditions (MITC) - effective 18th June 202611 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period shall not exceed 45 Days, varying by transaction and statement date.
- Not applicable if previous month's statement balance not cleared in full by the due date.
VerifiedMost Important Terms & Conditions (MITC) - effective 18th June 202611 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the FIRST Wealth?
Officially traced: Nil (Lifetime Free).
Most Important Terms & Conditions (MITC) - effective 18th June 2026What is the joining fee on the FIRST Wealth?
Officially traced: Rs. 0 (Nil) - lifetime free.
FIRST Wealth product pageIs the FIRST Wealth annual fee ever waived?
Lifetime free - no joining fee and no annual fee for the FIRST Wealth Credit Card, with no minimum spend condition required to waive the annual fee.
FIRST Wealth product pageHow does the FIRST Wealth earn rewards?
10 reward points per Rs. 200 on Dining, Travel and International purchases; 3 reward points per Rs. 200 on eligible spends up to Rs. 20,000 in a monthly statement cycle; 3 reward points on Rent, Government, Wallet Load and Education; 1.
FIRST Wealth Credit Card - Reward Program Terms & ConditionsWhat lounge access does the FIRST Wealth include?
Airport lounges: 1 complimentary visit per quarter to participating airport lounges in Indian Airports (domestic and international) and 1 complimentary visit per quarter to lounges at select Global Airport Terminals (shared between.
FIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms)What welcome benefit does the FIRST Wealth offer?
Rs. 500 gift voucher from choice of brands like Amazon, Bigbasket, Uber and Lifestyle on spending Rs. 5,000 within 30 days of card generation (30 days from the day you receive SMS/email confirmation that your card is generated).
FIRST Wealth product pageWhat are the transfer ratios for FIRST Wealth points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idfcfirst.bank.in/credit-card/wealth.
VerifiedFIRST Wealth product page11 Jul 2026, 6:16 PM ISTIDFC FIRST Bank
Verified 2026-07-21 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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