IDFC FIRST Wealth Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC First Bank
Network: Visa | Tier: Premium
The IDFC FIRST Wealth Credit Card is a premium, lifestyle-oriented card that stands out for being lifetime free. It offers a premium reward ecosystem, low foreign exchange markup, complimentary lounge visits, and spa access with no annual fees.
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 Premium travel benefits, 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% foreign currency markup fee |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Wealth Credit Card Rewards & Benefits
| Reward Rate | 10X rewards |
|---|---|
| Welcome Bonus | Premium travel benefits |
| Lounge Access | 2 Domestic + 2 International + railway lounges per quarter (spend-based) |
| Best For | Premium users |
Key Highlights of the IDFC FIRST Wealth Credit Card
- Lifetime free premium
- 10X rewards
- Lounge access
- Milestones
IDFC FIRST Wealth Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹10
- 00
- 000/year
Minimum Income Required: Approx. ₹36L annual income / affluent profile
Advantages of the IDFC FIRST Wealth Credit Card
- Completely lifetime free with zero joining or annual fees
- Low
- highly competitive 1.5% foreign currency markup fee
- Free domestic and international airport lounge and spa access
- Buy-one-get-one-free movie ticket offers via Paytm Insider
- Reward points never expire and have no redemption fees
Drawbacks of the IDFC FIRST Wealth Credit Card
- High income or internal banking relationship criteria for approval
- Reward earning rate drops on monthly spends below ₹30
- 000
- Excludes reward points on fuel
- insurance
- and EMI transactions
- No air mile transfer options directly to international airlines
- Milestone benefits are limited compared to paid premium cards
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 Premium travel benefits 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 + 2 International + railway lounges per quarter (spend-based).
Who is eligible for the IDFC FIRST Wealth Credit Card?
The minimum income requirement is Approx. ₹36L annual income / affluent profile. 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
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
- Gold Charge Card by American Express — rated 4.6/5, ₹4,500 annual fee
- Membership Rewards Credit Card by American Express — rated 4.6/5, ₹4,500 annual fee
Expert Rating: 4.6/5