IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
Your rating
Community rating
Joining Fee
Free
Annual Fee
Free
Reward Rate
1% – 5%
Forex Markup
1.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 5%
Earn rate
1
Points / ₹100
₹0.25
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
4 per year
International lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- government payments
- wallet loads
- utilities
- bill payments
- FASTag recharge
- railway spends
- cash withdrawals
- EMI converted transactions
- rent
- education
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- One of the best lifetime free premium credit cards in India
- Strong low-forex card for international spending
- Reward Points never expire
- Good lounge access for a zero-fee card
- Includes roadside assistance and travel-related benefits
- Interest-free cash withdrawal feature is genuinely unique
- Good option for moderate-to-high spenders
- Better overall value than many entry-level premium cards
- Best rewards activate only after ₹20,000 monthly spends
- Lounge access now requires spend-based eligibility
- Reward redemption value is relatively modest
- Reward structure can feel complex initially
- No unlimited lounge access despite “Wealth” positioning
- Travel transfer partner ecosystem is weaker than Atlas/Infinia/Amex
- Some benefits have been devalued in recent revisions
- Limited premium lifestyle perks compared to super-premium cards
Who is this card for?
High spenders and frequent international travellers who want a lifetime-free premium card with 0% forex markup and comprehensive lounge access. Outstanding value-to-fee ratio since the fee is literally zero.
Quick Links
Data last updated 24 Mar 2026