IDFC FIRST Wealth Credit Card
IDFC First Bank · Visa
Why this card?
- 1.25% back in reward points on dining and food delivery, travel and international spends; 0.38% on other spends
- Lifetime free — no joining or annual fee
- 4 domestic and 4 international airport lounge visits a year
- Zero forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- IDFC First Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 1.25% on dining
- Forex Markup
- Zero
- Domestic Lounge
- 4/yr
- Min. Monthly Income
- ₹3,00,000
- Rates verified
- 2026-10-06
Our verdict
IDFC First Wealth is a lifetime-free Visa card aimed at high income earners — 10X points (about 1.25% back) on dining, travel, international purchases and birthday spends, 4 domestic and 4 international airport lounge visits a year, and a 0% forex markup, all at zero annual fee. It needs an annual income of ₹36 lakh or more, and everyday spends earn only about 0.375% back.
Pros
- 10X reward points (about 1.25% back) on dining, travel, international purchases and birthday spends
- 4 domestic and 4 international airport lounge visits a year
- Lifetime free — zero annual fee regardless of spend level
- 0% forex markup and a fuel surcharge waiver
Cons
- Everyday spends earn only about 0.375% back, and utilities, insurance, railway and FASTag earn 1X
- Needs an annual income of ₹36 lakh (₹3 lakh a month)
- Points ecosystem less mature than HDFC or Axis for airline transfers