Credit Cards · Honest Review
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank · Visa
Your Verdict
- ✓Unlimited domestic lounge access
- ✓1.5% FX markup � among the best for international use
- ✓10X reward points on birthdays and special offers
- ✓Lifetime free with no hidden annual charges
- ✓Zero interest on EMI conversion up to 90 days (select merchants)
What IDFC FIRST Wealth Credit Card costs you
IDFC FIRST Wealth Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Fee waiver condition | Lifetime free � no annual fee |
| Foreign transaction fee (forex markup) | 1.5% per transaction |
What you earn on every rupee spent
IDFC FIRST Wealth Credit Card earns 0.60% on all eligible spends as a base reward rate, with accelerated rates on online shopping, travel & flights and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.60% |
| 🛒 Online Shopping | 1.8% |
| ✈️ Travel & Flights | 1.8% |
5,000 reward points on first spend within 30 days
Reward types: Points · Lounge
Beyond the reward rate
The non-reward benefits on IDFC FIRST Wealth Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card requires a minimum net monthly income of ₹2,00,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹2,00,000 |
| CIBIL score | 750+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time | 5�7 working days |
Who should (and shouldn't) get IDFC FIRST Wealth Credit Card
- → Heavy spenders on online shopping who want 1.8% back
- → Heavy spenders on travel & flights who want 1.8% back
- → First-time cardholders who want zero-cost entry
- → Frequent travelers who value airport lounge access
- → International spenders benefiting from low forex markup
- → Applicants with monthly income below ₹2,00,000
IDFC FIRST Wealth Credit Card — Questions answered
Is IDFC FIRST Wealth Credit Card free for life?
What is the minimum income required for IDFC FIRST Wealth Credit Card?
What is the reward rate on IDFC FIRST Wealth Credit Card for online shopping?
Does IDFC FIRST Wealth Credit Card provide airport lounge access?
How long does it take to get IDFC FIRST Wealth Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.