Route spending through 10X reward points; birthday spends are also eligible for 10X.
Earn 1.3× here — 1.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · No-fee
IDFC FIRST BANK · IDFC FIRST WEALTH CREDIT CARD
IDFC FIRST Wealth Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹6,750 for a mid spender · travel
IDFC FIRST BANK
Updated 2026-02-24 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is IDFC FIRST Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 730+ Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹6,750 first-year net value · mid spender · travel
Category rewards ₹6,750
Net first-year value ₹6,750
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 0.38% back on eligible spends 3 pts 3 points per ₹200
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 1.3% back
10X reward points; birthday spends are also eligible for 10X · 1.3%
As per FIRST Wealth reward details and FAQs · 1.3%
Earn 3X but excluded from 10X threshold calculation · 0.4%
1X category and excluded from 10X threshold calculation · 0.1%
Everything else (base) · 0.4%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time IDFC FIRST Bank tweaks the program.
Don't sleep on As per FIRST Wealth reward details and FAQs.
The second tier earns 1.3× (1.3% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 1.5% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
HOW WE KEEP THIS CURRENT
Last verified 2026-02-24. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.