- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Movies, Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
Earn 10X Reward Points Per ₹200 on Dining, Travel & International Spends, 3X on Regular and UPI Spends Above ₹2,000, and 1X on Insurance, Utilities, Railways, FASTag and UPI Spends Up to ₹2,000
- Welcome benefits
₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction
- Reward redemption
Redeem Points at IDFC Rewards Gallery. 1 Reward Point = ₹0.25
Benefits
- Movie & dining
Buy One Get One on Movie Tickets up to ₹250 on the District App, Twice Every Month
- Travel
Free Railway Lounge Access
- Domestic lounge
Up to 1 Free Visit to Domestic Airport Lounges Per Quarter
- International lounge
Up to 1 Complimentary International Lounge Visits Per Quarter
- Golf
1 Complimentary Golf Round/Lesson Every Quarter
- Insurance
Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000
Fees & charges
- Spend-based waiver
Nil
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
1.5% + GST
- Interest rates
From 8.5% – 46.2% Per Annum
- Fuel surcharge waiver
1% Waiver Upto ₹300 Each Month for Fuel Transactions Between ₹200 and ₹5,000
- Cash advance charges
₹199 + GST
Product highlights
- A lifetime free card with exciting privileges.
- Gift voucher worth ₹500 on spending ₹5,000 within 30 days, and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
- Low interest rate (0.75%–3.5%) and low foreign-currency markup (1.5%).
- One complimentary visit to an airport lounge every quarter.
- Up to one complimentary round of golf every month on spending ₹20,000 monthly.
- Air accident coverage is worth ₹1 crore, and personal accident coverage is worth ₹10 lakh.
Pros & cons
Pros
- One of the biggest pros of the IDFC FIRST Wealth Credit Card is that it is a lifetime-free card without any annual charges or fees.
- Complimentary welcome voucher worth ₹500.
Cons
- Most of the benefits offered by this card are spend-based, including golf access, movie benefits, airport lounge access, and railway lounge access.
FAQs
Is the IDFC FIRST Wealth Credit Card Lifetime Free?
Yes, the IDFC FIRST Wealth Credit Card comes with zero joining and annual fees, making it a lifetime free credit card.
What is the Value of 1 Reward Point on the IDFC FIRST Wealth Credit Card?
Each Reward Point earned on the card is valued at ₹0.25.
How Can Reward Points Be Redeemed?
Reward Points can be redeemed through the IDFC Rewards Gallery for shopping vouchers, travel bookings, and more.
What is the Add-on Card fee for the IDFC FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card charges an add-on card joining and annual fee of ₹499.