Card Details
Wealth Credit Card
Card Issuer
IDFC FIRST Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Earn Points
10X pts
/₹200 on dining, travel, intl.
3x pts/₹200
on any spends
33% bonus pts
Hotel bookings via IDFC FIRST app
13% bonus pts
Flight bookings via IDFC FIRST app
Benefits
10X rewards
- Accelerated rewards tied to monthly spending
- 10X reward points on monthly spends above ₹20,000
- 3X reward points when monthly spends stay below ₹20,000
- Reward points do not expire
- Reward points for a billing cycle are reversed if the minimum amount due is unpaid
Quarterly lounge & golf access with ₹20k…
- Travel privileges with spend-based unlocking
- 1 domestic airport lounge visit per quarter
- 1 international lounge visit per quarter
- 1 complimentary golf access per quarter
- Extra bonus reward points on in-app hotel and flight bookings
- Lounge and golf benefits unlock only after spending ₹20,000 in the current month
1.5% Forex Markup
Trip cancellation cover
What Users Are Saying
Community Feed
Jul 2024
“Using IDFC First Wealth CC doesn't make sense NOW”
by r/CreditCardsIndia, Jul 2024
“IDFC first wealth is it still worth having?”
by r/CreditCardsIndia, Dec 2025
“IDFC RM offering Wealth account + Wealth Credit Card”
by r/CreditCardsIndia, Aug 2025
“Trash your IDFC Wealth Credit Card”
by r/CreditCardsIndia, Jul 2025
“Got IDFC Wealth though annual income less than 36 lacs”
by r/CreditCardsIndia, Jul 2024
Frequently Asked Questions
The Wealth Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because IDFC FIRST Bank prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
Things to Keep in Mind
Airport lounge and golf access require spending ₹20,000 in the current month to unlock the benefit for the following month.
Reward points are not credited for billing cycles where the minimum amount due is unpaid.
Travel bonus reward points apply via FIRST Rewards Gallery in IDFC FIRST mobile app.
