IDFC First Bank
Signature · First Wealth
IDFC First Wealth Credit Card
IDFC First Bank
Lifetime free with 6X rewards on online and lounge access
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.8%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹35,000
Total Annual Benefits
₹35,000
Total Annual Charges
₹0
ROI
9999%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
16 complimentary domestic airport lounge visits per year (4 per quarter)
- • 4 visits per quarter at domestic lounges
16 visits/year
₹40,000/yr
Reward Points (2)
6X Rewards on Online Spends
Earn 6X reward points on all online transactions
- • Valid on all online merchant transactions
6X RP on online
3X Rewards on Offline Spends
Earn 3X reward points on all offline transactions
- • Valid on all POS and offline transactions
3X RP on offline
Other Benefits (1)
Lifetime Free Card
No joining fee, no annual fee — lifetime free
₹0 forever
₹2,949/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
IDFC Reward Points
6X on online, 3X on offline
Effective cashback: 0.75%
Points expire: Never expire
Redemption Options
- → Products & Vouchers via IDFC Rewards Catalogue
- → Flights & Hotels
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Online
6x multiplier
6X reward points on online spends
Offline
3x multiplier
3X reward points on offline spends
Milestone Bonuses
10,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
10,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Lifetime free |
| Annual Fee | Free Lifetime free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,00,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹1 Lakh
- • Self-Employed: ITR > ₹12 Lakh p.a.
- • Age 21–65 years
- • Good credit history required
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹15.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹1.0 Cr
Purchase Protection
₹5.0 L
90 days
- • Air accident cover: ₹1 Crore
- • Travel insurance: ₹15 Lakh
- • Purchase protection: ₹5 Lakh for 90 days
- • Lost card liability: ₹10 Lakh
Airport Lounge Access
Domestic
16 visits/year
4 per quarter
~₹2,500/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 4 complimentary visits per quarter at partner lounges
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Lifetime free — no joining or annual fee Never-expiring reward points 6X rewards on online spends
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The IDFC First Wealth Credit Card is a lifetime-free Visa Signature card offering 6X reward points on online spends and 3X on offline spends. With 4 c...
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