INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official idfcfirstbank.com (IDFC FIRST Bank) Most Important Terms and Conditions (MITC).

🏛️IDFC FIRST Bank Ltd.Network: Visa InfiniteTravel & Aviation CardsLast Verified: 2026-09-28

IDFC FIRST Wealth Credit Card

आईडीएफसी फर्स्ट वेल्थ क्रेडिट कार्ड

Super-premium Lifetime Free card with 4 international & domestic lounge + spa visits per quarter, ultra-low 1.5% forex markup, and golf privileges.

Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Reward Rate10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹30,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹30,000. 3X Reward Points (0.75% return) on offline retail. Reward points never expire.

Airport Lounge4 complimentary domestic airport lounge visits + 4 international airport lounge visits + 4 spa visits per calendar quarter via DreamFolks dragonpass upon spending ₹20,000 in preceding calendar month. 4 railway lounge visits per quarter.

Forex MarkupUltra-low 1.50% + GST markup on foreign currency transactions (one of India's lowest forex fees on a Lifetime Free card).

What Is This Card

IDFC FIRST Wealth Credit Card is India's most feature-packed Lifetime Free super-premium credit card. Built on Visa Infinite with zero annual fees forever, it bundles 4 domestic and 4 international airport lounge visits per quarter (plus 4 airport spa visits), Buy 1 Get 1 movie tickets up to ₹250, golf privileges, and an ultra-low 1.50% forex markup.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

Lifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees forever.

🎁Welcome Benefit

Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

⚡Reward Points Structure

10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹30,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹30,000. 3X Reward Points (0.75% return) on offline retail. Reward points never expire.

Redemption Value: 1 Reward Point = ₹0.25 directly redeemable against shopping carts or statement balance with zero redemption charges.

🛫Airport & Railway Lounge Access

4 complimentary domestic airport lounge visits + 4 international airport lounge visits + 4 spa visits per calendar quarter via DreamFolks dragonpass upon spending ₹20,000 in preceding calendar month. 4 railway lounge visits per quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to $25,000. Loss of baggage cover up to ₹50,000. Comprehensive travel insurance.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts up to ₹4,000 (maximum waiver of ₹400 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Buy 1 Get 1 free movie ticket discount on Paytm Movies up to ₹250 (twice a month). 2 complimentary rounds of golf per month based on qualifying spends. Complimentary roadside assistance (RSA) worth ₹1,399.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Airport lounge access and spa privileges require meeting the ₹20,000 monthly spend qualification in the prior calendar month. Strict income qualification requires ₹1 Lakh+ monthly net salary.

Forex Markup FeeUltra-low 1.50% + GST markup on foreign currency transactions (one of India's lowest forex fees on a Lifetime Free card).

Cash Advance FeeFlat ₹250 per transaction with 0% interest for up to 48 days until payment due date.

Finance Charges (Interest)Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum).

Late Payment Slabs15% of Total Amount Due (Minimum ₹100, Maximum ₹1,250 + GST).

Reward Points ExpiryNever expire. Reward points have lifetime validity.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, and rent payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹15,00,000.

Age Requirement21 to 65 Years

Minimum Income₹1,00,000/month (Salaried) / ₹15,00,000/year ITR (Self-Employed)

CIBIL Score NoteA pristine credit score of 760+ is standard. IDFC FIRST Wealth Account holders receive preferential processing.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit idfcfirstbank.com/wealth or open IDFC FIRST Mobile app.

2Enter PAN and mobile number for soft eligibility evaluation.

3Select IDFC FIRST Wealth Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Premium packaging with Visa Infinite card dispatched via courier within 3 business days.

Branch Application for Offline Applicants

Apply at any IDFC FIRST Bank branch through a Wealth Relationship Manager with PAN, Aadhaar, salary slips, and Form 16.

Visit Official Card Page (idfcfirstbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on IDFC FIRST Wealth Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: 15% of Total Amount Due (Minimum ₹100, Maximum ₹1,250 + GST).. In addition, revolving finance charges at Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on IDFC FIRST Wealth Credit Card into EMI?

Yes, IDFC FIRST Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on IDFC FIRST Wealth Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IDFC FIRST Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 directly redeemable against shopping carts or statement balance with zero redemption charges. Please note: Never expire. Reward points have lifetime validity.

What is the interest-free grace period on IDFC FIRST Wealth Credit Card and how does it work?

The interest-free period on IDFC FIRST Wealth Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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