IDFC FIRST Wealth Credit Card
IDFC · VISA★ 4.7/ 5
✓ Details last verified 1 Jan 2025
↻ Hover or tap to flip
Key features
What this card is built to do — the highlights that actually matter.
2.50% on Online Shopping
10X reward points on online spends
2.50% on Travel
10X reward points on travel
Airport Lounge Access
4 complimentary visits per quarter at domestic and international airport lounges
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Golf Privileges
12 complimentary golf rounds per year
Milestone Bonus
~₹5,000 in bonus rewards on hitting annual spend milestones
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹6,000
Golf perk value
₹5,000
Milestone bonus value
- 12 complimentary golf rounds/year at partner courses
- Travel insurance and accident cover
- Milestone bonus reward points on annual spend
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
16 visits/yr
Domestic lounges
Priority Pass
International lounges
₹12,000
Estimated annual value
0% — Zero!
Forex markup
2.5%
Travel reward rate
- Domestic + international airport lounge access (16 visits/yr, worth ~₹12,000)
- 2.5% effective return on travel bookings
- Zero forex markup — zero extra cost abroad
- Travel insurance cover included
Ananya travels internationally 4 times a year and despises the 3.5% forex markup that most cards charge. IDFC First Wealth has zero forex markup — her ₹1.5L annual international spend saves her ₹5,250 vs a standard card. She also earns 10X points on international transactions and gets Priority Pass lounge access. Lifetime free with a ₹1,00,000 minimum income requirement.
Who is this for?
The top card for international travellers who hold premium Indian cards but want to avoid forex costs. Zero markup on a premium card with lounge access is rare in India — IDFC First Wealth and Scapia are the only mainstream options. Choose Wealth if you want the full premium card package alongside zero forex.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| 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.
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
Should you get it?
- Best for: International traveller who pays forex markup on current card, IDFC FIRST salary account holder earning ₹1L+/month, Buys high-value items on 0% EMI regularly, Wants premium benefits without paying a premium fee
- 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 + 10X international points — ₹1L international hotel spend earns ₹2,500 in points AND saves ₹3,500 in forex vs a 3.5% card
- Unlimited Priority Pass for domestic and international lounges
- 0% interest EMI on all retail purchases — unique among premium Indian cards
- Lifetime free — premium benefits with no annual fee burden
Cons
- Requires IDFC FIRST relationship — limited to IDFC salary or savings account holders
- Reward redemption restricted to IDFC partner catalogue
- No golf or dedicated concierge — lifestyle perks are functional, not luxury
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: Redeem reward points against your card statement at ₹0.25/point — the simplest option. (₹0.25/point)
- 🎁IDFC Partner Catalogue: Redeem for vouchers and products from IDFC partner brands via the mobile app. (Up to ₹0.25/point)
- 🎁Travel Redemption: Use points for flight and hotel bookings via IDFC FIRST partner portals. (Up to ₹0.25/point)
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
The concern
Requires an IDFC FIRST relationship and a ₹1L+/month income — and reward redemption stays inside IDFC's modest catalogue.
Bottomline
CardAdvisor Rating: 4.7 / 5First Wealth is the best free premium card in India: zero forex, lounge access, 10X international earn, no fee ever. The income bar is the only gate. International travellers who qualify should consider this an automatic application.
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 by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Similar & related cards
Other cards worth comparing before you apply.
IDFC FIRST Select Credit Card
Same tier with similar rewards
Bank of Baroda Eterna Credit Card
Comparable BOB option
IDFC FIRST Ashva Credit Card
Same tier with similar rewards
Kotak White Reserve Credit Card
Comparable KOTAK option
IndusInd Bank Avios Visa Infinite Credit Card
Comparable INDUSIND option
OneCard Credit Card
Comparable BOB option
Read more
Guides and reviews related to this card.
IDFC FIRST Wealth Credit Card Review (2026): Premium Perks at ₹0 Annual Fee — The Catch
The IDFC FIRST Wealth is lifetime free with a perk bundle that most ₹5,000-fee premium cards can't match. The catch: the earn rate on everyday spends is below the premium average.
Zero-Forex Credit Cards: The 3.5% You Didn't Know You Were Paying
Every international swipe on a typical Indian card quietly loses ~4% to markup and taxes. How zero-forex cards work and when they are worth carrying.
Best Travel Credit Cards in India for 2026
From zero-forex no-fee cards to premium lounge-and-miles flagships — the right travel card depends entirely on how you travel. The full breakdown by traveller type.
HDFC Regalia Gold Review (2026): The Premium Card That Earns Less Than You Think — and Still Makes Sense
Regalia Gold's base earn rate sits below the premium-card average. The annual fee is 44% below average. The math still works — but only for the domestic frequent flyer who will use HDFC SmartBuy.
Axis ACE Credit Card Review (2026): The Free Card With a 5% Trick You Need to Know
Axis ACE is lifetime free with 5% on utility bills, 4% on dining and online shopping, and 2% on everything else. The 5% utility rate has one very specific requirement.
Want to know if this beats your current card for your spending?