What is the annual fee for IDFC FIRST Wealth Credit Card?

The annual fee for IDFC FIRST Wealth Credit Card is nil (no annual fee).

What is the joining fee for IDFC FIRST Wealth Credit Card?

The one-time joining fee for IDFC FIRST Wealth Credit Card is nil (no joining fee).

What are the rewards and benefits of IDFC FIRST Wealth Credit Card?

IDFC FIRST Wealth Credit Card earns points rewards. Reward rate ranges from 1% to 5%. You earn 1 points per ₹100 spent.

What lounge access benefits does IDFC FIRST Wealth Credit Card provide?

IDFC FIRST Wealth Credit Card provides 1 domestic lounge visits per quarter and 4 international lounge visits per year.

What is the eligibility criteria for IDFC FIRST Wealth Credit Card?

To be eligible for IDFC FIRST Wealth Credit Card, you need a minimum monthly income of ₹3,00,000.

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IDFC FIRST Bank

IDFC FIRST Wealth Credit Card

Name: IDFC FIRST Wealth Credit Card
Brand: IDFC FIRST Bank
Availability: InStock

The IDFC FIRST Wealth Credit Card is IDFC FIRST Bank's top-tier lifetime-free premium card, charging zero annual fee ever.

Premium

CardCheck ScoreExcellent

Top Category Performance

RuPay UPI Scan & Pay (88/100)

Best for: IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

1 – 5

Forex Markup

1.5%

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Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

ExcellentScore / 100

Reward Power

34/35

Fee Value & ROI

25/25

Lounge & Perks

11/20

Forex & Access

14/20

Category Strengths Breakdown

Ranked by strongest spend category

RuPay UPI Payments

88/100

Online Shopping

84/100

Cashback Spends

75/100

Travel & Lounge

70/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

IDFC FIRST Wealth Credit Card Benefits

Lifetime free credit card with no joining or annual fee

3X Reward Points on spends up to ₹20,000/month

10X Reward Points on spends above ₹20,000/month and birthday spends

Low 1.5% forex markup on international transactions

Reward Points never expire

2 domestic + 2 international lounge/spa visits per quarter on ₹20,000 monthly spends

4 complimentary railway lounge visits per quarter on spend eligibility

25% discount on movie tickets via District app (up to ₹100/month)

Complimentary roadside assistance across India

IDFC FIRST Wealth Credit Card Rewards

How you earn back on every swipe

points

Reward type

1% – 5%

Earn rate

Points / ₹100

₹0.25

Per point

IDFC FIRST Wealth Credit Card 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.

Joining feeFree

Annual feeFree

Interest-free period45 days

Interest rate (APR)8.5% – 46.2%

Late payment fee (max)₹1,300

Cash advance fee0% (min ₹199)

Over-limit fee2.5%

Forex markup1.5%

Fuel surcharge waiverYes (₹200–₹5000)

IDFC FIRST Wealth Credit Card 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

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

IDFC FIRST Wealth Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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IDFC FIRST Wealth Credit Card Eligibility

Age21+ yrs – 65

Min. income₹3,00,000/month

CIBIL score750+

Employment type

Salaried

Pros & Cons

Pros

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

Cons

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.