IDFC FIRST Wealth Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

NIL

Annual fee

₹0

NIL

What it gives back

3X Reward Points on all eligible spends categories; 1X = 1 Reward Point per ₹200.

Read from 11 IDFC FIRST Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

Welcome offer

Welcome benefit
You can enjoy joining benefits worth ₹1,500 with your FIRST Wealth Credit Card: · Receive a ₹500 welcome voucher when you spend ₹5,000 or more within 30 days of card activation. · Get 5% cashback, up to ₹1,000, on the first EMI transaction made within 30 days of card activation.

Rewards

Reward rate
3X Reward Points on all eligible spends categories; 1X = 1 Reward Point per ₹200.
Reward earning on dining spends
10X Reward Points on Dining.
Reward earning on international spends
10X Reward Points on International purchases.
Travel earning
10X Reward Points on Travel.
Utilities earning
1X Reward Points on Insurance, Utilities, Railway spends and FASTag recharge.
Reward exclusions
Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.
Reward caps
Rewards will be earned for spends up to your credit limit per billing cycle
Catalogue redemption
The value of 1 reward point is ₹0.25.
Point expiry
Reward Points are valid for 24 months from the date they are credited.

Card benefits

Domestic lounge access
1 complimentary visit per quarter to airport lounges at airport terminals in India; availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
International lounge access
1 complimentary visit per quarter to global airport lounges; availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
Hotel or travel programme
Stay for 3, Pay for 2 at ITC Hotels: a complimentary 3rd night for every 2 consecutive paid nights.
Hotel or travel programme
4 complimentary visits to lounges at select Indian railway terminals; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Dining programme
Luxury dining at handpicked restaurants, with bespoke menus and priority access, with the Visa Infinite card.
Golf
1 complimentary golf round/lesson every quarter at 20+ golf courses in India; unlock a golf round/lesson on spending over ₹20,000, in statement cycle.
Concierge
Personalised concierge: personalized assistance for all your travel needs.
Movie or entertainment ticket benefit
Buy-One-Get-One movie ticket offer via District mobile app, up to ₹250 off on the second ticket, twice in a calendar month; spend ₹20,000 in the current calendar month to avail the benefit in the next month

Also included

Fuel surcharge waiver
1% Fuel surcharge waiver
Air accident cover
Air Accident Cover of ₹1 Crore.
Insurance benefit
Cancel for Any Reason (CFAR) travel insurance benefit: reimbursement of up to ₹10,000 for the non-refundable portion of flight and hotel bookings, shared between primary and add-on cardholders
Lost card liability
Lost Card Liability Cover of ₹50,000.
Travel insurance
Comprehensive travel insurance coverage of up to USD 1200
Add-on card eligibility
Credit limit can be shared with anyone, including friends, family, or a loved one, with an Add-On credit card

Charges

Forex markup
0%Zero Forex Markup on all international spends
Cash advance fee
₹199 + GST per transaction; 0% Interest for up to 45 days
Interest on unpaid balance
From 8.5% - 46.2% per annum
Interest-free period
48 days interest-free when you pay in full.
Late payment fee
Late payment charges: 15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
Reward redemption fee
Redemption fee of ₹99 + GST on every reward redemption transaction

Eligibility

In the terms, not the brochure (1)

What must be paid with the card for the cover to apply
Travel booking must be made using the IDFC FIRST Wealth Credit Card, with at least 1 transaction on the credit card in the calendar month preceding the start of the policy period, and the booking made during the policy coverage period

How we know - 11 documents from IDFC FIRST Bank, checked 19 Oct 2026

11 documents from IDFC FIRST Bank, checked 19 Oct 2026.

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