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IDFC First Wealth Credit Card

IDFC First Bank Wealth Credit Card is a lifetime free credit card specially designed for wealth geniuses. The card offers the best rewards program where you can earn unlimited reward points on every online and offline purchase. These reward points never expire and can be used at any time. The best thing about this card is that it's free for life and has no joining or annual fees. Enjoy lounge access with IDFC Wealth Credit Card

Key Highlights of IDFC Wealth Credit Card

  • Joining fee & annual fees: Nil. It is free for a lifetime credit card.
  • Suitable for: Airport and railway lounge access and rewards.
  • Joining benefit: Welcome voucher worth Rs. 500 on spending equal to or more than Rs. 15,000 within 90 days of card issuance.’
  • Savings: Most customers save Rs. 18,100 yearly with IDFC FIRST Wealth Credit Card.
  • Best in class forex markup: Only 1.5%.
  • Movie ticket offer: Buy one get one offer on movie tickets on Paytm mobile app.
  • Insurance cover: You get comprehensive Travel Insurance and Air Accident coverage with the card.
  • EMI conversion facility: Through mobile on transactions above Rs. 2,500. 
  • Rate of Interest (APR): 0.75% to 3.5% per month (9% to 42% per annum).
  • Interest-free cash withdrawals: Applicable on domestic and international ATMs for up to 48 days. 
  • Complimentary airport lounge visits: 4 complimentary domestic and international airport lounge and spa visits per quarter.
  • Complimentary railway lounge visits: 4 complimentary railway lounge visits per quarter.
  • Evergreen reward points: Earn unlimited reward points that never expire. 
  • Age: 21 to 65 years.
  • Minimum Net Monthly Income: Rs. 25,000.

Features & Benefits of IDFC FIRST Wealth Credit Card

Joining Benefits

  • Welcome voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card generation.
  • 5% cashback (up to Rs. 1,000) on the first EMI transaction value done within 90 days of the card issuance.

Reward Points 

  • 10X reward points on all incremental monthly spends of more than Rs. 30,000 and also on spends made on your birthday.
  • 6X reward points on online purchases on monthly spends of up to Rs. 30,000.
  • 3X reward points on offline purchases on monthly spends of up to Rs. 30,000 per month.
  • Earn unlimited reward points that will never expire.
  • You can use your accumulated reward points to pay for online and in-store purchases instantly.
  • 1X = 1 Reward Point per Rs. 100 spent 
  • 1 Reward Point = Rs. 0.25

Premium Benefits

  • 4 complimentary domestic and international airport lounge and spa visits per quarter.
  • 4 complimentary railway lounge visits per quarter.

Movie Offer

  • Buy one get one movie ticket on Paytm mobile app. 
  • The maximum benefit available up to Rs. 500. 
  • The offer is valid twice per month.

Insurance & Road Assistance

  • Complimentary Roadside Assistance worth Rs. 1,399
  • Air Accident Cover of Rs. 1 Crore valid on doing at least one transaction with FIRST Wealth Credit Card in the last 30 days. 
  • Personal Accident Cover of Rs. 10,00,000.
  • Lost Card Liability Cover of Rs. 50,000.
  • Comprehensive Travel Insurance Cover of USD 1200
    • Loss of Checked-in Baggage- USD 500
    • Delay of Checked-In Baggage USD 100
    • Loss of Passport and other documents: USD 300
    • Delay in Flight: USD 300

Discounts & Offers

  • Up to 15% discount at over 3,000 Health & Wellness outlets.
  • 300+ Merchant offers all year long.

Purchases to EMI Conversion

  • Convert all your purchases of over Rs. 2,500 into easy EMIs (Equated Monthly Instalments) from IDFC FIRST Bank’s mobile app.
  • Instant EMI conversion of all online transactions above Rs. 2,500 on the IDFC FIRST Bank’s OTP page.

Credit Card Balance Transfer

  • Transfer balances of your other bank credit cards conveniently with IDFC’s balance transfer privilege. 
  • Convert your outstanding balance into easy EMIs with flexible tenure of 3 to 18 months.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations across India.
  • Maximum benefits available up to Rs. 400 per month.

IDFC FIRST Wealth Credit Card Fees & Charges

  • Joining fee: Nil
  • Annual fee: Nil
  • Add-on card fee: Nil
  • Rate of interest (APR): 0.75% to 3.5% per month (9% to 42% per annum), applicable on purchases, cash advances & outstanding balances due.
  • Cash advance fee - transaction fee: Rs. 250 per transaction
  • FIRST Private Credit Card: Rs. 50,000
  • Over-limit charges: 2.5% of the over-limit amount, minimum Rs. 500
  • Late payment charges: 15% of the total amount due, minimum Rs. 100 and maximum Rs. 1,250.
  • Overdue interest: 3.99% per month (47.88% per annum)
  • Forex markup: 1.5% for all international transactions
  • Return of auto-debit/ cheque/ payment return: Rs. 250 per returned cheque/ auto-debit/ payment return.
  • Card replacement fee: Rs. 100
  • Image personalisation fee: Rs. 499
  • Reward redemption fee: Rs. 99 per redemption transaction, effective from 01.10.2022.
  • EMI fees: 1% of the transaction value, minimum Rs. 99.
  • Goods and Service Tax (GST): GST (presently 18%), as notified by the Government of India, is applicable on all the charges mentioned above.

IDFC FIRST Wealth Credit Card Eligibility

Applicants must meet the below-mentioned eligibility criteria for the IDFC FIRST Wealth Card:

  • Age: Applicant should be aged 21 to 65 years to apply for the IDFC FIRST Wealth Card.
  • Net monthly income: Varies for different credit card variants offered by the bank. The minimum income requirement is Rs. 25,000 per month. 
  • Citizenship: Residents of India who have their current and permanent residential address within India are eligible.
  • Location: The bank maintains a list of cities allowed for sourcing cards.
  • Credit history: Applicant should have a good credit score without any history of defaulting on any loans or missing payments on loans/ credit cards.
  • Internal policy criteria: IDFC FIRST Bank conducts certain internal policy criteria to select customers for credit card issuance. Bank’s internal policy criteria are based on the applicant’s credit history, relationship with the IDFC Bank, demographics, and credit exposure. The final decision on card approval will be at the sole discretion of the bank, according to the mentioned internal policies.

IDFC FIRST Wealth Credit Card Documents Required

You will be required to provide the documents mentioned below in order to apply for IDFC FIRST Wealth Credit Card:

  • Proof of identity: Passport/ Aadhaar Card/ Driving License
  • Proof of address: Passport/ Aadhaar Card/ Voter ID/ Ration Card
  • Proof of income: Form 16, Income Tax Returns, and Salary Slip

How to Apply for IDFC FIRST Wealth Credit Card?

You can apply for the IDFC FIRST Wealth Credit Card from IDFC FIRST Bank’s website by following the steps given below:

  • Open the IDFC FIRST Wealth Credit Card page by clicking the link https://www.idfcfirstbank.com/credit-card/wealth.
  • Then, click on the ‘Apply Now’ button.
  • Mention your complete name as given on your Aadhaar Card and your date of birth.
  • Provide your 10-digit mobile number.
  • Then click on the ‘Get OTP’ button.
  • Enter the OTP sent by the bank on your registered mobile phone.
  • You will get a call from the bank’s executive shortly regarding taking the application process ahead.
  • Alternatively, you can also apply for an IDFC FIRST Bank Wealth credit card from our website or by visiting the nearby IDFC FIRST Bank branch.

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