IDFC FIRST Wealth Credit Card
IDFC · VISA★4.7/ 5
✓ Details last verified 1 Jan 2025
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IDFC First Wealth is the top premium no-forex card in India. 0% forex markup (unique at this tier), 10X reward points on international spends, and a 0-interest EMI on all retail purchases. The ₹0 joining fee and industry-low 1.5% monthly finance charge make it a standout for responsible credit users.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 2.50% | — |
| Travel | reward points | 2.50% | — |
| Dining | reward points | 2.50% | — |
| Other | reward points | 2.50% | — |
Online Shopping: 10X reward points on online spends
Travel: 10X reward points on travel
Dining: 10X reward points on dining
Other: 10X reward points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
Perks & benefits
Estimated annual value beyond rewards.
4 domestic per quarter + international Priority Pass access
12 complimentary golf rounds per year
Comprehensive travel and purchase protection insurance
Milestone bonus reward points on annual spend
Who is this card for?
- 💳Premium tier — a solid all-rounder for steady monthly spend.
- 🎯Strongest value if you spend heavily on Online Shopping (2.50% back).
- ✈️Frequent travellers benefit from the included airport lounge access.
👍 Pros
- ✓Zero forex markup — top choice for international travellers at this tier
- ✓0% interest on EMI purchases — unique at a premium card level
- ✓10X reward points on international spends
- ✓Comprehensive travel insurance included
- ✓Lounge access on domestic and international terminals
👎 Cons
- ✕Requires IDFC First relationship for premium benefits
- ✕Reward catalogue smaller than legacy banks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your idfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
Frequently asked questions
What is the annual fee for the IDFC FIRST Wealth Credit Card?+
This card is lifetime free — there is no joining or annual fee.
What is the foreign currency markup?+
The forex markup is 2.50% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 100000 per month.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the IDFC FIRST Wealth Credit Card are taken from IDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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