IDFC FIRST Bank
IDFC FIRST Bank Wealth Credit Card
Annual Fee
FREE
Base Reward
1% cashback
Foreign Markup
1.5%
Welcome Benefits
Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
Product Highlights
- Free annual fee
- Free joining fee
- Unlimited non-expiring reward points
Category Rewards
shopping
5% cashback
5%
travel
10X reward points on spends above ₹30,000
10%
dining
20% discount at over 1500 restaurants
20%
entertainment
Buy 1 get 1 offer on movie tickets up to ₹500
1%
Rewards Details
5% cashback up to ₹1,000 on the first EMI transaction done within 30 days of card issuance. Earn 10X reward points on all spends above ₹30,000, 10X reward points on all spends done on your birthday, 6X reward points for online spends, and 3X reward points for offline spends.
Redemption
1 point = ₹0.25
Benefits & Features
Domestic: 4 free access to the Domestic & International airport lounges every quarter. (4 free access to spas and railway lounges every quarter.) International: 4 free access to the Domestic & International airport lounges every quarter. Full lounge access description.
Pros & Cons
Pros
- The card offers various Insurance covers.
- The card gives a 1% Fuel Surcharge Waiver on all petrol pumps.
- It comes with exclusive travel benefits like access to airport/railway lounges.
- It allows users to earn reward points on all purchases.
- BOGO offer on movie tickets.
Cons
- Partial loss & damage is not covered under the travel insurance.
- The zero-card liability does not cover any loss due to data breaching or server hacking.
- Reward points cannot be earned on fuel transactions.
- There is a ₹99 convenience fee associated with redeeming reward points.
Additional Info
Excluded Categories
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Networks