Travel comfortably and upgrade your lifestyle with this premium credit card. This lifetime-free card lets you get 10X reward points, enjoy complimentary airport lounge visits, and more.
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 |
Designed for those who enjoy the finer things in life, this premium credit card offers several benefits on shopping, travel, dining, and more.
Enjoy a voucher of ₹500 from a partner brand on spending ₹5,000 or more within 30 days of getting the card.
Pay pocket-friendly mark-up charges of just 1.5% on purchases made internationally.
Get covers of up to ₹10,000 for hotel and flight cancellations and make up to two claims.
Travel in style with up to two complimentary domestic lounge and spa visits and two international lounge visits in a quarter.
Watch the movies you like with ₹250 off on tickets booked on District by Zomato app
Get up to 2 complimentary golf rounds each month after spending ₹20,000 or higher in a statement cycle.
Enjoy four complimentary railway lounge visits every quarter and make your journey more comfortable.
Save more with discounts of up to 20% at merchant partners including restaurants, and health and wellness partners.
Avoid paying a surcharge of up to ₹400 a month on using your credit card for refuelling.
Earn up to 10X points that do not expire on eligible transactions above ₹20,000 in a cycle and redeem them anytime online.
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.
Enjoy a range of privileges like concierge services, airport meet & greet , discounts on limousine airport transfers, and more.
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 |
5 |
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.
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.
The best part about this card’s reward points is that they never expire.
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) |
Reward Points = 20,000 10X (₹3,00,000/150)
|
5,000 |
Online & Offline Purchases |
Accelerated Category Spends (3X) |
Reward Points = 6,000 3X (₹3,00,000/150)
|
1,500 |
Spends on Insurance and Utilities |
Normal Category Spends (1X) |
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
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.
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
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
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:
Select ‘Check Eligibility’ and fill in your details, including date of birth, phone number, and occupation
Enter the One-Time Password (OTP) sent to your phone
Review your pre-filled details like PAN card number, residential PIN code, email address, and income information
Pick the card that best suits your needs from the options available
Click ‘Submit’ to complete your application
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
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.
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.
No, there are no joining, membership, or annual fees that you need to pay on the FIRST Wealth Credit Card.
IDFC FIRST Bank credit cards offer interest rates between 9% and 43.8% per annum.
Spend ₹5,000 or more within 30 days of activation to receive a ₹500 gift voucher from one of the partnered brands.
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.
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.
You're eligible if you make at least one transaction in the calendar month before the policy starts.
Yes, you get up to 2 complimentary rounds of golf or lessons per month after spending ₹20,000 in a statement cycle.