FIRST Wealth Credit Card
A lifetime-free Visa Infinite points card: 10X on dining, travel and international spends, 3X on most others, 1X on bills, insurance and rail (1X = 1 point per ₹200, 1 point = ₹0.25), with a domestic and an international lounge visit each quarter on ₹20,000 of monthly spend. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The product page, the card listing and the MITC give a zero forex markup; an older FAQ on the same page and the May 2026 notice to cardholders still say 1.5%. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| 10X on dining (including food delivery), travel and international spends | 10 points per ₹200 Terms | no cap on record |
| 1X on insurance, utilities, railway spends and FASTag | 1 point per ₹200 Terms | no cap on record |
| 3X on other spends (rent, government, wallet loads and education included) | 3 points per ₹200 Terms | no cap on record |
No points on transactions below ₹200, or on spends above the credit limit in a billing cycle. Since 18 June 2026 10X needs no minimum monthly spend. UPI needs the FIRST Digital RuPay add-on card, at ₹199 + GST a year.
No rewards on
- Fuel (surcharge waiver applies), EMI and cash withdrawals Terms
Benefits
- Lounges: 1 domestic and 1 international airport lounge visit a quarter — ₹20,000 of spend in a calendar month unlocks visits in the next month Product page
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹300 a statement cycle Product page
- Welcome: ₹500 gift voucher on ₹5,000 of spend within 30 days of the card being issued Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- 1 golf round or lesson a quarter at 20+ courses in India Product page
- Buy 1 Get 1 movie tickets, up to ₹250 off, twice a month Product page
- Trip cancellation (CFAR) cover up to ₹10,000 on hotel and flight bookings Product page
- 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app (up to 8,000 a month) Product page
- Air accident cover of ₹1 crore, personal accident cover of ₹10 lakh, lost-card cover of ₹50,000 Product page
- Travel insurance up to USD 1,200 Product page
- 4 railway lounge visits Product page
- 5% cashback up to ₹1,000 on the first EMI within 30 days Product page
Eligibility
- Annual income of ₹36 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IDFC FIRST Bank in the documents read
- a minimum age
Where IDFC FIRST Bank’s documents differ, and what is used
- Forex markup: the product page, the card listing ("All IDFC FIRST Bank Credit Cards now come with Zero Forex Markup") and the MITC say zero; an FAQ on the product page and the May 2026 cardholder notice say 1.5% + GST. Zero is used.
- Railway lounges: the benefit section says 4 visits (no period); an FAQ on the same page says 4 visits a year.
The quotes behind the figures
45 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“No, there is no joining fee or annual fee for the IDFC FIRST Wealth Credit Card.”
“Fees and charges Joining and Annual Fees NIL”
“Forex Markup on international transactions Zero”
“1 Reward Point = 0.25”
“1. 10 reward points on Dining, Travel, and International purchases.”
“4. Reward points are earned per 200 spent on eligible transactions.”
“Dining (including food delivery) includes MCCs 5812, 5813 and 5814.”
“You will now earn 10X rewards starting from your very first eligible transaction, with no minimum spend required - on Dining, Travel, and International purchases (as defined below).”
“b. 1 reward point on Insurance, Utilities, Railway, and Fastag”
“2. 3 reward points on all offline and online eligible spends.”
“a. 3 reward points on Rent, Government, Wallet Load and Education”
“g. Transactions whose value is below 200.”
“No reward point on EMI, Cash Withdrawal, Fuel, Fee and Charges.”
“a. Fuel transactions (Fuel Surcharge waiver will be provided)”
“Your FIRST Wealth Credit Card will continue to remain LIFETIME FREE.”
“The FIRST Wealth Credit Card provides ZERO forex markup.”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“Low Forex Mark-Up: Just 1.5% (+GST) on international spends, including foreign currency transactions done in INR”
“Low 1.5% Forex Markup. (compared to industry-standard of 3-3.5%)”
“1X equals 1 reward point for every ₹200 spent in a transaction. The value of 1 reward point is ₹0.25.”
“Rewards will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for reward points.”
“Reward Points will be valid for 24 months from the date they are credited.”
“a. 3 reward points per 200 spent on a transaction valued above 2,000.”
“The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.”
“You are eligible for 4 complimentary visits annually at select Indian railway terminals.”
“Hotel 20% Bonus Reward Points on hotel bookings”
“Activate UPI on FIRST Wealth Credit Card at just ₹199”
“You can currently get the add-on FIRST Digital RuPay Credit Card if you hold any of the following IDFC FIRST Bank Credit Cards: FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashva, Mayura, FIRST Business, Diamond Reserve or Gaj: Credit Card .”
“IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum”
“There will be a redemption fee of ₹99 + GST on every reward redemption transaction”
“Enjoy 1 complimentary visit to Indian Airport lounge, and 1 complimentary visit to Global Airport lounge every quarter.”
“Save more for your next road trip with a 1% Fuel Surcharge Waiver of up to ₹400* in a statement cycle on fuel transactions valued between ₹200 & ₹5,000”
“*Effective 20 th February 2025, Fuel Surcharge Waiver will be revised to ₹300”
“Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*”
“Tee off in style at 20+ golf courses in India with 1 complimentary golf round/lesson every quarter.”
“This offer provides a discount of up to ₹250 on the second ticket and can be availed twice per calendar month, making movie outings more affordable and enjoyable.”
“Last-minute change of plans? Get reimbursed for up to ₹10,000 on non-refundable portion of hotel and flight cancellations.”
“Earn 20% bonus reward points on hotel bookings and 10% bonus reward points on flight bookings. You can earn up to 8000 Bonus Reward.”
“Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10 lakh and Lost Card Liability Cover of ₹50,000.”
“Get a comprehensive travel insurance coverage of up to USD 1200”
“Avail 4 complimentary visits to lounges at select Indian railway terminals.”
“Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.”
“Eligibility: Annual income of ₹36 lakhs or more”
“Lifetime-free card with premium benefits Apply now”
“It is a lifetime-free Visa Infinite card that provides premium benefits at zero cost, making it an attractive option for customers.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology