IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
Annual Fee
Lifetime FreeBase 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
Specialty
6X RP on online
1.5%
Reward Calculator
Earns ₹2,340/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
9.4K
IDFC FIRST Reward Points
₹2.3K
via standard · ₹0.25/pt
Effective rate
1.22%
Annual fee
FREE
Year 1 net
+₹2,340
Year 2+ net
+₹2,340
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
1.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, balance transfer, loan on card, card fees, gst
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Networks