The IDFC Wealth Credit Card belongs to the premium range of lifestyle credit cards available for high-income group individuals. This IDFC Bank Credit Card is free from joining or annual maintenance fees and comes with exclusive benefits.
Read on to learn everything that you must know if you are applying for the IDFC FIRST Bank Wealth credit card.
What are the features and benefits of the IDFC FIRST Wealth Credit Card?
The IDFC Wealth Credit Card perks and characteristics are designed to make your transactions easy. Here are some top credit card benefits you can expect to enjoy.
No Joining or Annual Fee
The IDFC FIRST Wealth card is a lifetime free credit card. This means there is no need to pay an annual fee to use the card.
Welcome Benefits
You get a welcome voucher worth ₹500 against spends worth ₹15,000 or more on your IDFC FIRST Wealth Credit Card within 90 days of card issuance. You also get 5% cashback on the transaction value of you Read Morer first EMI purchase within 30 days of card issuance. Read Less
Complimentary Lounge and Spa Access
The IDFC Wealth Credit Card offers 4 complimentary access (one for each quarter) to select domestic and international airport lounges. You can also use complementary facilities at spa centres within the country.
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You also get 4 complimentary access per calendar quarter to lounges at participating railway stations in the country. All these benefits and much more are accessible when you exceed the minimum monthly spends of ₹5,000.
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Free Movie Tickets
When you buy one movie ticket via the Paytm mobile app, you get a discount of up to ₹500 on your second ticket using your IDFC Wealth Credit Card. You can avail two free tickets in a month.
Dining and App Discounts
You get up to a 20% discount at over 1,500 restaurants in the country when you use your IDFC Wealth Credit Card. You also get a discount of up to 15% at over 3,000 health and wellness outlets.
Premium Golf Benefits
The IDFC Wealth Credit Card gives you access to 2 complimentary golf rounds in a month for all monthly spends of ₹20,000.
Fuel Surcharge Waiver
You get a 1% fuel surcharge waiver (worth up to ₹400/month) when you use your IDFC FIRST Wealth Credit Card domestically to purchase fuel.
EMI Conversion
You can easily and conveniently convert all transactions exceeding ₹2,500 into EMIs using the IDFC mobile app. You can also opt for EMI conversion of online transactions above ₹2,500 using the OTP Read More page of the bank’s website. Read Less
Credit Card Balance Transfer
You can use the credit card balance transfer facility to clear dues of other bank credit cards conveniently.
Other Benefits
The card comes with complimentary Roadside Assistance (RSA) worth ₹1,399, which is applicable all over India. You can avail this up to 4 times a year.
You are also eligible for the following insurance coverage with an IDFC Wealth Credit Card:
Air Accident Cover of ₹1 Crore
Personal Accident Cover of ₹10 Lakhs
Lost Card Liability Cover of ₹50,000
Comprehensive Travel Insurance Cover of ₹22,500
The following table presents the fees and charges associated with the IDFC Wealth Credit Card:
Type of Charge |
Amount |
Joining fee |
Nil |
Annual fee |
Nil |
Interest charge on purchases due |
0.75% - 3.5% per month or 9% - 42% per year |
Overdue interest (in case of non-payment of Minimum due by the payment due date) |
3.99% per month or 47.88% per year |
Cash advance fee |
₹199 per transaction |
Add-on credit card fee |
Nil |
Late payment charges |
15% of Total Amount Due (minimum ₹100 and maximum ₹1,000) |
Over-limit charges (up to 10%) |
Nil |
Returned cheque charges |
₹250 |
Foreign currency mark-up |
1.5% |
Cash payment fee |
Nil |
Re-issue/ Replacement of credit card |
₹100 |
Duplicate statement request charge |
Nil |
Disclaimer: The credit card specifics provided in the table above are subject to change at the card issuer’s discretion. Check the issuer’s website for the updated credit card fees and charges details.
The IDFC FIRST Wealth Credit Card eligibility criteria are as follows:
You need to be at least 18 years of age
You must be a resident of India or a Non-Resident Indian
Your annual income needs to be at least ₹36 Lakhs
You need to have a good credit score of 750 and above
If the bank requires any additional specifics based on your profile before you apply credit card online, it will notify you about the same.
In case you have any queries, complaints, or suggestions concerning your credit card reward points or any other feature, you can contact the bank’s customer support. You can get in touch with IDFC Bank Credit Card customer care through the following channels:
Toll-Free Contact: 1800 10 888
Email: Banker@idfcfirstbank.com
WhatsApp: 95555 55555
For your convenience, the bank allows you to access these services 24x7.
About Credit Cards Services
- Best Fuel Credit Card
- Business Credit Card
- Credit Card Settlement
- Corporate Credit Card
- Credit Card against Fixed Deposit
- Credit Card Documents
- Credit Card Eligibility Criteria
- Credit Card EMI
- Features & Benefits of Credit Card
- Interest Rate on Credit Card
- International Credit Card
- Credit Card Limit
- Credit Card Lounge Access
- Credit Card Netbanking
- Credit Card Bill
- Credit Card Pin Generation
- Credit Card Reward
- Shopping Credit Card
- Check Credit Card Statement
- Types of Credit Card
- Credit Card Billing Cycle
- Best Credit Card In India
Credit Cards Partners at Bajaj Markets
About IDFC First Bank Credit Card
- IDFC Bank Credit Card Charges
- IDFC First Bank Credit Card
- IDFC First Bank Credit Card Application Status
- IDFC First Bank Credit Card Customer Care
- IDFC First Bank Credit Card Eligibility
- IDFC First Bank Credit Card Login
- IDFC First Bank Credit Card Payment
- IDFC First Bank Credit Card Reward Points
- IDFC First Bank Credit Card Statement
- IDFC First Classic Credit Card
- IDFC First Select Credit Card
Frequently Asked Questions
How are the reward points awarded on IDFC Wealth Credit Cards?
On monthly spends of up to ₹30,000, this card offers 6X and 3X reward points for online and offline shopping, respectively. You can also earn 10X reward points on incremental spends exceeding ₹30,000 per month and on your birthday.
How can I redeem IDFC Bank credit card reward points?
You can redeem these credit card reward points to enjoy discounts on your online and in-store purchases. All you have to do is select the ‘Pay with Points’ option at the checkout.
How to contact IDFC Wealth Credit Card customer care?
If you are facing any challenges with your IDFC Bank Wealth Credit Card or have any questions or complaints, you can call the 24x7 IDFC Bank credit card customer care at 1800 10 888. You can also contact this toll-free number if you want to apply for a new credit card.
What is the IDFC FIRST Bank Wealth Credit Card limit?
The limit for your IDFC Wealth Credit Card will be decided by the bank based on your profile. The bank would take into consideration several factors, such as your credit history, credit score, etc., before deciding on the same.
What is the IDFC Wealth Credit Card eligibility?
The IDFC Wealth Credit Card eligibility criteria require you to be at least 18 years of age and a resident of India or a Non-Resident Indian. You also need to have a good credit score of 750 or above with an annual income of over ₹36 Lakhs.
If the bank requires any additional specifics based on your profile before you apply for a credit card, it will notify you about the same.
