IDFC FIRST Wealth Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Premium
The IDFC FIRST Wealth Credit Card is a Premium Visa credit card issued by IDFC FIRST Bank, best suited for premium users. It carries a joining fee of NIL, with an interest rate of 2.99% per month. Key benefits include Lifetime free premium, 10X rewards, 2 domestic airport, 2 international airport, and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month), and Milestones. On fees — Lounge access: 2 domestic airport, 2 international airport, and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month); Foreign transaction markup: 1.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹10,00,000/year to qualify. It falls under the Premium, Travel, and Fuel category on CreditCardHunt.
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Why Choose the IDFC FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card is a Premium-tier Visa credit card issued by IDFC FIRST Bank, rated 4.6/5 by the Credit Card Hunt editorial team. It is best suited for Premium users. With a reward rate of 10X rewards and an annual fee of NIL, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
IDFC FIRST Wealth Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 2.99% per month |
| Foreign Markup | 1.5% |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Wealth Credit Card Rewards & Benefits
| Reward Rate | 10X rewards |
|---|---|
| Welcome Bonus | None |
| Lounge Access | 2 domestic airport, 2 international airport, and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month) |
| Best For | Premium users |
Key Highlights of the IDFC FIRST Wealth Credit Card
- Lifetime free premium
- 10X rewards
- 2 domestic airport, 2 international airport, and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month)
- Milestones
IDFC FIRST Wealth Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹10,00,000/year
Minimum Income Required: ₹10,00,000/year
Advantages of the IDFC FIRST Wealth Credit Card
- No annual fee premium — a highlight among IDFC FIRST Bank's premium lineup.
Drawbacks of the IDFC FIRST Wealth Credit Card
- Limited perks vs fee cards may not suit every applicant.
IDFC FIRST Wealth Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the IDFC FIRST Wealth Credit Card offer airport lounge access?
Yes — the IDFC FIRST Wealth Credit Card offers 2 domestic airport, 2 international airport, and 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month).
Who is eligible for the IDFC FIRST Wealth Credit Card?
The minimum income requirement is ₹10,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IDFC FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card earns 10X rewards. It is best suited for Premium users.
Credit Cards Similar to the IDFC FIRST Wealth Credit Card
If you are considering the IDFC FIRST Wealth Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.6/5