IDFC FIRST Wealth Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
IDFC FIRST Wealth Credit Card Review: Lifetime-Free Premium Privileges for the Affluent Spender
introduction
The IDFC FIRST Wealth Credit Card is designed for high-income individuals who value luxury, unmatched rewards, and global benefits without paying annual or joining fees. This Visa Infinite card seamlessly blends exclusive travel perks, premium lifestyle privileges, and a strong rewards program for those who want to elevate daily spending and travel with maximum comfort. With its unique position as a lifetime-free premium card, it empowers users to focus on their financial growth and experiences.
key features and benefits
Lifetime-Free Premium Metal Card
No joining or annual fees for qualified users.
Airport Lounge Access
Get 2 complimentary Indian and 2 Global airport lounge visits every quarter.
Spend ₹20,000 in a month to enjoy lounge access in the following month.
Welcome Benefits
₹500 gift voucher from top brands on activation.
Up to ₹1,000 cashback on your first EMI transaction.
Reward Structure
10X reward points on spends above ₹20,000 per statement cycle and on your birthday.
Earn 3X Reward Points on spends below ₹20,000 per statement cycle, including rent, education, government payments, and wallet loads.
1X reward points on insurance premium and utility bill payments.
Unlimited reward points that never expire.
- Earn up to 8,000 bonus reward points every month by booking flights and hotels through the IDFC FIRST Mobile App—get 20 bonus points per ₹150 on flights and 50 bonus points per ₹150 on hotel bookings.
Cash Withdrawals
- Withdraw cash from domestic or international ATMs with 0% interest for up to 45 days, subject to a fee of ₹199 plus GST per transaction.
Lifestyle Perks
- Enjoy up to 2 complimentary golf rounds or lessons each month at 20+ courses across India by spending over ₹20,000 in a statement cycle.
- Enjoy the Buy-One-Get-One movie ticket offer via the District app with up to ₹250 off on the second ticket, twice each calendar month.
Comprehensive insurance
- Get comprehensive travel insurance coverage of up to USD 1200.
- Loss of checked-in baggage: USD 500.
- Delay of checked-in baggage: USD 100.
- Loss of passport and other documents: USD 300.
- Delay in flight: USD 300.
- Air accident cover: ₹1 crore.
- Personal accident cover: ₹10 lakh.
- Lost card liability cover: ₹50,000.
Valid with at least one transaction in the last 30 days using the FIRST Wealth Credit Card.
24/7 Roadside assistance
- Receive 24/7 complimentary roadside assistance worth ₹1,399 during car or two-wheeler emergencies across India.
Travel Perks
Get up to ₹10,000 reimbursement on non-refundable hotel and flight cancellations, valid for two claims per policy period and shared between primary and add-on cardholders.
Get 4 complimentary railway lounge visits at select stations by spending ₹20,000 in the current month to unlock access for the next month.
UPI Integration
- 3X reward points up to ₹20,000/month and on all UPI spends (RuPay add-on).
UPI activation at ₹199 (cashback up to ₹200 on first four UPI spends).
Struggling to keep up with mounting credit card bills?
Card Essentials
| Type | Reward Points |
| Welcome Benefits | n/a |
| Annual Fee | nil |
| Reward Structure | Rewards on Eligible SPENDS |
| Renewal Benefit | n/a |
Rewards and Benefits Analysis
Who Benefits Most?
Affluent professionals and high spenders who cross ₹20,000+ in monthly card spend and love earning at accelerated 10X rates, especially on large purchases and birthdays.
Travelers and luxury seekers who want lounge access and wish to save extra via low forex markup and premium insurance.
Digital-first spenders/bill payers who use UPI for regular payments to stack up 3X points.
Comparison and Value
10X points on surplus spending and 50X/20X on travel bookings are rarely matched by any other lifetime-free credit card.
UPI reward earning means every payment—big or small—helps rack up points faster.
Flexibility: points never expire, so you can build toward luxury redemption goals.
Practical Considerations
Limitations
Eligibility requires a minimum annual income of ₹36 lakhs.
UPI feature needs separate RuPay activation (minor one-time charge, cashback covers this).
ATM cash withdrawals are fee-based (interest-free up to 45 days).
Travel bonus rewards limited to bookings made through the IDFC FIRST Mobile App.
Eligibility Criteria
Indian resident, 21+
Minimum annual income: ₹36 lakhs
Usage Tips
Use for all premium, travel & online spends to cross ₹20,000/cycle for 10X rewards.
Book travel via app to maximize bonus points and enjoy free trip cancellation.
Redemption Options
IDFC FIRST Rewards Platform
Redeem points for flights, hotels, e-vouchers, premium merchandise, or bill credits via the mobile app/portal.
Points are typically worth ₹0.25/point; check current rates and bonus redemption campaigns.
Ideal User Profile
High-income professionals (₹36L+), business leaders, and elite frequent travelers.
Lifestyle-oriented, tech-savvy cardholders seeking global perks, luxury access, and dynamic digital payment options.
Users comfortable with mobile app management for bookings and redemptions.
Final Thoughts
Strengths
Lifetime-free for high earners—no recurring fees for elite benefits.
Top-tier rewards: 10X and 50X/20X on travel, 3X for UPI/bills.
lounge access, free cancellation, and comprehensive travel/lifestyle insurance.
UPI and app-based features help maximize every rupee spent.
Weaknesses
Premium eligibility limits access to a select few.
Travel and lifestyle rewards best enjoyed by frequent spenders and travelers.
Some rewards (travel) and features locked to bank app usage.
Verdict
The IDFC FIRST Wealth Credit Card is a top choice for India’s affluent, digitally savvy professionals who want global luxury, travel privileges, and lifelong rewards—without annual fees.
If you meet the income criteria and value premium benefits, this card sets a new benchmark in user-first, cost-free elite credit.
Additional Tips for Applicants
Income Requirements
Minimum annual income: ₹36 lakhs; higher income may ease approval.
Documentation
PAN, Aadhaar, detailed income proof, and address verification.
Application & Activation
Quick digital onboarding, instant approval for qualified profiles.
Activate RuPay/UPI for payments and max rewards.
Maximizing Benefits
Focus spends above ₹20,000/month, leverage birthdays, and travel-book through the app for bonus points.
Pool and redeem never-expiring points for premium experiences.
Set autopay for effortless statement clearances.
Responsible Usage
Pay in full each cycle to avoid fees/interest.
Monitor travel insurance/cancellation benefits before holiday season.
This review offers a clear and balanced overview of The IDFC FIRST Wealth Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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