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Premium Decision Grade Catalog
IDFC FIRST BANK LTD
IDFC FIRST Wealth Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium credit card designed for affluent individuals with comprehensive travel, lifestyle, and insurance benefits with spending-based milestone rewards
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Premium lifestyle card
Highlight 2
Up to 10X rewards on every spend
Highlight 3
1.5% forex markup on international transactions
Highlight 4
2 domestic/international airport lounge visits quarterly
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"4/year"
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"2 Complimentary Airport lounge access every calendar quarter worldwide; Travel benefits with up to 10X Rewards on booking flight tickets/stays"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹24L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Innovative monthly fee structure card with strong merchant-specific benefits (up to 20% on popular platforms). The fee waiver on modest monthly spend (₹5,000) makes it accessible. The direct cashback model simplifies redemption but merchant-specific discounts may limit value if spending patterns change."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: ₹2,500 voucher on paid cards
- Base Rate: Standard reward points on other categories
- Accelerated Rewards Program: 5 reward points per ₹100 spent on ticket bookings at IRCTC website
- 5% cashback on booking via Smart Buy
Cons
- RP to Rupees: 1pt=₹0.40
- Domestic Airport: 4/year
- Movie/Entertainment: BOGO tickets
- Lifestyle and Fashion: Shopping discounts
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