IDFC FIRST Bank
FIRST Wealth
Lifetime freeZero forexPremiumLounge
Checked 2 Oct 2026 ·
Annual fee₹0for life
Forex markup0%
Interest≤ 3.85%a month
NetworkVisa
You earn
Perks & rules
What changed
18 Jun 202610X now from the first eligible transaction; points only on spends up to the credit limit each cycle
18 Jun 2026BOGO movie offer now needs ₹20,000 spend in the previous month
1 Dec 2025Complimentary spa discontinued
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate3 points per ₹200 (0.375%) on eligible spends
Higher rates
- Dining, travel, international, birthday: 10 points per ₹200 (1.25%) on dining, travel, international spends and your birthday, from the first transaction
- App hotel & flight bookings: Extra 20% bonus points on hotels, 10% on flights booked in the IDFC FIRST app
- Rent, govt, wallet, education: 3 points per ₹200 on rent, government, wallet and education payments
- Insurance, utilities, rail, FASTag: 1 point per ₹200 on insurance, utilities, railways and FASTag
Limits
- Points only on spends up to your credit limit each billing cycle
- App travel bonus: up to 8,000 bonus points a month
- Nothing earned on transactions under ₹200
Doesn't earn on
- Fuel, EMI transactions, cash withdrawals
Where it landsNot stated in the documents read
What a point is worth
Value1 point = ₹0.25
Expiry24 months from the date credited
Redemption fee₹99 + GST per redemption
Welcome benefit
Welcome₹500 gift voucher of your choice once you meet the welcome spend condition
Milestones
MilestonesNone stated
Airport lounges
DomesticAirport lounge visits, domestic and international, shared with add-on cards; quarterly count and spend condition shown only as images
InternationalIncluded in the same shared airport lounge allowance
Fuel
FuelNot stated in the documents read
Spending abroad
Forex markupZero markup
Fees
Joining feeNil (lifetime free)
Annual feeNil (lifetime free)
Fee waiverNot needed: no fee
If you pay late
Late fee15% of total amount due, min ₹100, max ₹1,300
Interest0.71%–3.85% a month (8.5%–46.2% a year), set by your credit history
Cash withdrawal₹199 + GST per withdrawal; no interest for up to 45 days
Who can apply
AgeNot stated on product page
SalariedAnnual income ₹36 lakh or more
Self-employedAnnual income ₹36 lakh or more
More perks
Perks
- Buy-one-get-one movie tickets, needs ₹20,000 spend in the previous month
- Trip cancellation cover up to ₹10,000
- Complimentary railway lounge visits
- Interest-free ATM cash for up to 45 days
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- FIRST Wealth product page Product page · 2 Oct 2026
- FIRST Wealth Rewards T&C (28 May 2025) Card T&C · 28 May 2025
- FIRST Wealth change notice (effective 18 Jun 2026) Change notice · 18 May 2026
- FIRST Wealth Privileges Card T&C · 2 Oct 2026
- IDFC FIRST Bank Credit Card MITC Fee schedule · 2 Oct 2026
- Bonus Reward Points on app flight & hotel bookings – T&C Card T&C · 2 Oct 2026
Card image: IDFC FIRST Bank's own website.
