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Key Highlights of the IDFC FIRST Bank Wealth Credit Card

Here are the key features of this premium, lifetime-free credit card: 

Feature

Details

Joining Fee 

Nil 

Annual Fee 

Nil 

Best For 

Rewards on travel and lifestyle purchases  

Key Feature 

10X Reward Points on eligible spends  

Welcome Bonus 

Gift voucher of ₹500 on spending ₹5,000 within the first 30 days 

​Features and Benefits

Designed for those who enjoy the finer things in life, this premium credit card offers several benefits on shopping, travel, dining, and more.

Welcome Benefit

Enjoy a voucher of ₹500 from a partner brand on spending ₹5,000 or more within 30 days of getting the card.

Low Forex for Affordable International Purchases

Pay pocket-friendly mark-up charges of just 1.​5% on purchases made internationally. 

Complimentary Cancellation For Any Reason (CFAR) Insurance

Get covers of up to ₹10,000 for hotel and flight cancellations and make up to two claims.

Complimentary Access to Airport Lounges

Travel in style with up to two complimentary domestic lounge and spa visits and two international lounge visits in a quarter.

'Buy One, Get One' Movie Ticket Offer

Watch the movies you like with ₹250 off on tickets booked on District by Zomato app

Enjoy Golfing Rounds

Get up to 2 complimentary golf rounds each month after spending ₹20,000 or higher in a statement cycle.

Railway Lounge Privileges

Enjoy four complimentary railway lounge visits every quarter and make your journey more comfortable.

300+ Shopping and Dining Offers

Save more with discounts of up to 20% at merchant partners including restaurants, and health and wellness partners.

Fuel Surcharge Waiver

Avoid paying a surcharge of up to ₹400 a month on using your credit card for refuelling.

Accelerated Points

Earn up to 10X points that do not expire on eligible transactions above ₹20,000 in a cycle and redeem them anytime online. 

Up to 3X Points on Regular Spends

Rack up 3X points on spending up to ₹20,000 in a cycle and get 1X points on paying insurance premiums and on utility spends.

VISA Infinite Privileges

Enjoy a range of privileges like concierge services, airport meet & greet , discounts on limousine airport transfers, and more.

IDFC FIRST Bank Wealth Credit Card’s Rewards Program

Here’s how you can earn points with the IDFC FIRST Bank Wealth Credit Card: 

  • Earn 3X Reward Points on spending up to ₹20,000 in a statement cycle. 

 

Here is an example: 

Purchase (Monthly)

Amount

Reward Points

Cash Value (₹)

Shopping

₹15,000 

300 

75 

Dining 

₹5,000 

100 

25 

Groceries 

₹5,000 

100 

25 

Disclaimer: The above example is for illustration purposes only.

  • The FIRST Wealth Credit Card offers 10X Reward Points on purchases above ₹20,000 in a statement cycle and on your birthday. 

 

Here is an example: 

Purchase (Monthly)

Amount

Reward Points

Cash Value (₹)

Shopping 

₹25,000 (above ₹20,000) 

1,666 

416.50 

Birthday Celebration 

₹5,000 

333 

83.25 

Disclaimer: The above example is for illustration purposes only.

  • You can earn 1 Reward Point on insurance premiums and utility bill payments. 

 

Consider the following example: 

Purchase (Monthly)

Amount

Reward Points

Cash Value (₹)

Insurance Premium

₹3,000 

20 

Utility Bills 

₹1,500 

10 

2.5 

Disclaimer: The above example is for illustration purposes only.

 

Note: 1X = 1 Reward Point (RP) on spending ₹150 where 1 RP = ₹0.25. 

 

B. Redemption Process

To redeem your points, you can login to your credit card account and visit the PoshVine rewards redemption platform. Here, you will see the options to purchase vouchers to get discounts on shopping or shop instantly and use your points to save.  

 
You can redeem reward points for any online transaction on bank’s OTP page by clicking on ‘Pay with reward points’ button available.   

 

You can also buy gift cards and subscriptions from various partners across dining, education, entertainment and more.  

 

Note: A redemption fee of ₹99 + GST applies for each transaction, so account for it when you go about this process.

 

C. Expiration

The best part about this card’s reward points is that they never expire.  

 

D: Example of Savings

Here’s an overview of your expected annual expenses and potential savings based on the previous examples: 

Category

Details

Conversion

Cash Value (₹)

Incremental Spending

Accelerated Category Spends (10X)
Assuming spends of ₹25,000 p.m./ ₹3,00,000 p.a. 

Reward Points = 20,000 

10X (₹3,00,000/150) 

 

5,000 

Online & Offline Purchases  

Accelerated Category Spends (3X)
Assuming spends of ₹25,000 p.m./ ₹3,00,000 p.a. 

Reward Points = 6,000 

3X (₹3,00,000/150) 

 

1,500 

Spends on Insurance and Utilities

Normal Category Spends (1X)
Assuming spends of ₹4,500 p.m./ ₹54,000 p.a. 

Reward Points = 360 

1X (₹54,000/150) 

 

90 

Movie Bookings  

Twice a month 

 ₹500 a month/₹6,000 

 

6,000 

Welcome Voucher  

On spending ₹5000 within 30 days  

 

500 

Total Annual Savings

 

 

₹13,090 

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.  

 

You can redeem these points in the

 

following manner: 

  • Getting immediate discounts on online shopping from partners like Myntra, Samsung Electronics, Apollo 24X7, and more  

  • Paying with points at eligible retail stores  

  • Buying gift cards and OTT memberships 

​Fees and Charges Associated with the IDFC FIRST Bank Wealth Credit Card

Before you start using your IDFC FIRST Bank Wealth Credit Card, it’s a good idea to understand the applicable charges and fees

Fee Type

General Range

Joining Fee  

Nil 

 

 

Annual Maintenance Fee 

Nil 

Rewards Redemption Fee 

₹99  

Interest Charges 

Up to 43.8% per year, which is 3.65% monthly 

Minimum Amount Due  

5% as per this calculation: 

Total GST + EMI amount + 100% of 

Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and 

Cash Advance (if any)] + Overlimit Amount (if any) 

Late Payment Fee 

15% of Total Amount Due (Minimum: Nil; Maximum: ₹1,300) 

Foreign Transaction Fee 

1.50% of the transaction amount 

Cash Advance Fee 

₹199 

Note: A GST of 18% is applicable on the above-mentioned charges. 

 

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Eligibility Criteria to Apply for the Card

Check IDFC FIRST Bank Wealth Credit Card’s eligibility terms to finish your application in minutes.  

 

To apply, you need to qualify as per the following terms: 

  • Age between 21 to 80 years 

  • ​Minimum annual income of ₹36 Lakhs 

  • Indian resident with permanent and current addresses in India

Documents Required to Apply for the Card

​Here is the general list of documents you may need to submit:  

Address Proof (any one): 

  • Passport 

  • Aadhaar Card 

     

Identity Proof (any one): 

  • Aadhaar Card 

  • Driving Licence 

  • Voter’s ID Card 

  • Passport 

  • PAN Card 

     

Income Proof: 

  • Bank statements  

  • Salary slips 

  • Income Tax Returns 

How to Apply for the IDFC FIRST Bank Wealth Credit Card?

On Bajaj Markets you can compare credit cards and apply easily online. By prioritising the security of data, we ensure the process is safe. To apply for the IDFC FIRST Bank Wealth Credit Card online, follow these steps: 

  1. Select ‘Check Eligibility’ and fill in your details, including date of birth, phone number, and occupation 

  2. Enter the One-Time Password (OTP) sent to your phone 

  3. Review your pre-filled details like PAN card number, residential PIN code, email address, and income information 

  4. Pick the card that best suits your needs from the options available 

  5. Click ‘Submit’ to complete your application

​Customer Care

If you have any questions, reach out to IDFC FIRST Bank’s customer care team via phone, WhatsApp, or email: 

  • Give a call to 1800-10-888. The service team is available 24X7 

  • Send ‘Hi’ to 95555-55-555 to contact the team via WhatsApp 

  • Email: banker@idfcfirstbank.com 

IDFC FIRST Bank Wealth Credit Card vs Others

Compare the benefits of the IDFC FIRST Bank Wealth Credit Card with other cards from the bank before you apply: 

Card Name

Cashback

Complimentary Airport Lounge Access

Fuel Surcharge Waiver

10X Reward Points

IDFC FIRST Bank Wealth Credit Card

❌ 

✅ 

✅ 

✅ 

IDFC FIRST Bank Millennia Credit Card

✅ 

❌ 

✅ 

✅ 

IDFC FIRST Bank SWYP Credit Card

✅ 

✅ 

✅ 

❌ 

IDFC FIRST Bank EARN Credit Card

✅ 

❌ 

❌ 

❌ 

IDFC FIRST Bank Power Credit Card

❌ 

✅ 

❌ 

❌ 

IDFC FIRST Bank WOW! Credit Card

❌ 

❌ 

✅ 

❌ 

IDFC FIRST Bank Select Credit Card

❌ 

✅ 

✅ 

✅ 

IDFC FIRST Bank Power+ Credit Card

❌ 

❌ 

❌ 

❌ 

IDFC FIRST Bank Classic Credit Card

❌ 

❌ 

✅ 

✅ 

Note: The benefits mentioned may change as per the policies of IDFC FIRST Bank. Check them before you apply for a specific card.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Frequently Asked Questions

Are there any joining or annual fees for the IDFC FIRST Bank Wealth Credit Card?

No, there are no joining, membership, or annual fees that you need to pay on the FIRST Wealth Credit Card. 

What is the interest rate on my credit card?

IDFC FIRST Bank credit cards offer interest rates between 9% and 43.8% per annum.

What is the joining benefit offered by the IDFC FIRST Bank Wealth Credit Card?

Spend ₹5,000 or more within 30 days of activation to receive a ₹500 gift voucher from one of the partnered brands. 

Can I get complimentary airport lounge visits on the IDFC FIRST Bank Wealth Credit Card?

Yes, you get the following benefits when you use the IDFC FIRST Bank Wealth Credit Card: 

  • 2 Domestic lounge/spa visits per quarter 

  • 2 Overseas lounge visits per quarter 

Spend ₹20,000 in a month to enjoy this benefit in the next month. 

What is the movie offer on the IDFC FIRST Bank Wealth Credit Card?

You get a buy-one-get-one offer on movie tickets twice a month via the District by Zomato app. It allows you to save up to ₹6000 annually.

How do I know if I’m eligible for CFAR?

You're eligible if you make at least one transaction in the calendar month before the policy starts.

Can I get complimentary golf benefits by using the IDFC FIRST Wealth Credit Card?

Yes, you get up to 2 complimentary rounds of golf or lessons per month after spending ₹20,000 in a statement cycle. 

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