IDFC FIRST Wealth
IDFC FIRST Bank · Visa — Premium lifetime-free style card with low forex and lifestyle benefits.
Last Updated: 2026-07-09
Annual Fee
₹0
Joining Fee
₹0
Forex Markup
0%
Reward Type
points
Overview
Premium lifetime-free style card with low forex and lifestyle benefits.
Zero forex + reward points
Features & Benefits
- Welcome: Welcome points
- Milestones: Relationship milestones
- Lounge: Domestic + international visits
- Railway lounge: Yes
- Golf: Limited
- Insurance: Travel insurance
- Concierge: Yes
- Fuel: Yes
- Dining: Partner dining
- Movies: Partner
- Travel: Strong for overseas spenders
- EMI: Yes
Reward Structure
| Category | Reward % | Notes |
|---|---|---|
| Online Shopping | 3% | — |
| Grocery | 2% | — |
| Dining | 3% | — |
| Fuel | 1% | — |
| Travel | 3% | — |
| Utility Bills | 2% | — |
| Entertainment | 2% | — |
| UPI | Excluded | — |
| Insurance | 2% | — |
| Rent (Optional) | Excluded | — |
Excluded: Rent
Fees & Charges
- Renewal waiver: Lifetime free (relationship criteria)
- Interest: ~3.49% per month
- Cash advance: Lower than peers (check T&Cs)
- Late fee: As per IDFC FIRST
- Over-limit: As per IDFC FIRST
Eligibility
- Credit score: 750+
- Min income: ₹1,00,000/mo
- Employment: both
- Age: 21–65
Pros
- ✓ Zero forex
- ✓ Lifetime free (criteria)
- ✓ Lounge
Cons
- • Relationship hurdles
- • Rewards not always cash-like
- • Invite/segment led
About IDFC FIRST Wealth
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- What are the key benefits of IDFC FIRST Wealth?
- Premium lifetime-free style card with low forex and lifestyle benefits. Highlights: Zero forex + reward points. Lounge: Domestic + international visits.
- What is the annual fee for IDFC FIRST Wealth?
- Joining fee ₹0 and annual fee ₹0. Waiver: Lifetime free (relationship criteria).
- Who is eligible for IDFC FIRST Wealth?
- Typical guide: credit score 750+, income from ₹1,00,000/mo, age 21–65, employment: both. Final approval is with the issuer.
- Does IDFC FIRST Wealth have forex markup?
- Indicative forex markup is 0%. Always confirm current markup on the issuer site.
- How do I apply for IDFC FIRST Wealth?
- Use the official apply link on this page and complete KYC with the issuer. EnrichReturns does not process applications.