IDFC First Wealth Credit Card: Fees, Rewards & Benefits
Travel card with lounge access
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The IDFC First Wealth is a standout lifetime-free card for international use, pairing a low 1.5% forex markup with 4 international lounges, golf and 10X dining/travel rewards. Its weak point is the 0.25/point value and a steep Rs.36 lakh income bar for a no-fee product.
Travel card with lounge access
The Bottom Line
The FIRST Wealth Credit Card is built for international spender and premium lounge seeker on a budget. With no annual fee, it offers 1.25% rewards on dining and a welcome benefit worth ₹500. It makes the most sense if your spending matches international spender and premium lounge seeker on a budget.
It earns a base reward rate of 0.375% and stacks best when your spending lines up with International spender, Premium lounge seeker on a budget.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealThe 1.5% forex markup plus 10X on international and travel spends makes this one of the best free cards for overseas use.
High earners wanting 4 domestic + 4 international lounges and golf without any annual fee.
Probably not for
SkipThe Rs.36 lakh income requirement excludes many despite the card being free.
At 0.25/point, the absolute reward value stays modest even on accelerated categories.
Is It Worth It For You?
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Reward Rates
FIRST Wealth Credit Card offers 0.375% basic reward rate.
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Welcome Offer
₹500 e-voucher (e.g. Uber/Amazon/BigBasket, exact partner varies by promo) on spending ₹5,000 within 30 days of card issuance. Additionally, 5% cashback (capped at ₹1,000) on the first EMI conversion done within 30 days of card issuance. Some secondary sources cite an alternate/older version of this offer (₹500 voucher on ₹15,000 spend within 90 days) - the ₹5,000/30-day terms are corroborated by the more recent 2026 reviews and were used here.
Milestone Benefits
Spending ₹20,000 in the previous calendar month unlocks that month's complimentary domestic + international airport lounge visit, golf privileges, and Buy-1-Get-1 movie ticket offer (see benefits domain). This card has no annual fee to waive (lifetime free).
Fees & Charges
Eligibility
- Min Income: ₹36 Lakhs
- Age 21+; annual income ₹36L+; CIBIL 750+; lifetime free premium Visa Infinite card with 1.5% forex markup and free ATM withdrawals.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Conversion
- Transactions converted into EMI (including the Travel & Shop bonus, which requires a full-swipe) do not earn reward points.
Fees and Charges
- Fee or Charges (and the corresponding GST) do not earn reward points.
Loan on Card
- Loan on Card disbursals do not earn reward points.
Balance Transfer
- Balance transfer transactions do not earn reward points.
Cash Withdrawal
- Cash withdrawal transactions do not earn reward points.
Transactions Below ₹200
- Reward points are earned per ₹200 spent; transactions valued below ₹200 do not qualify.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDFC First Bank website.
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