® 
Features
- Voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card setup
- 5% cashback upto Rs. 1000 on first EMI txn within 90 days
- 10X Reward Points on spends above Rs. 30,000 per month and spends done on your birthday
- 6X Reward Points on online shopping for spends upto Rs. 30,000
- 3X Reward Points on offline shopping for spends upto Rs. 30,000
- 'Buy one, get one' offer on movie tickets up to Rs. 500 on PayTM mobile app (valid twice per month)
- 4 complimentary Domestic & International Airport lounge, spa visits per quarter
- 2 Complimentary Golf rounds per month
- Upto 20% off at 1500+ restaurants
- Upto 15% off at 3000+ health & wellness outlets
- Exciting discounts on Airport fast track immigration services, luxury hotels and Airport transfers
- 1.5% forex markups for all international transactions
- 1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25
Welcome Benefits
Cashbacks & Rewards
Pricing
- No annual fee. Lifetime Free Credit Card
Documents Required
- Depending on offer generated all offers have a no- document option along with below offers
- Card statement (card vintage more than 12 months) for Salaried and Self-employed
- Last 6 months bank statement (salary account) for Salaried
- Latest ITR with 3 months Bank statement for Self-employed
IDFC First Wealth Credit Card
IDFC’s First Wealth credit card boasts of being the most exclusive lifestyle-free available credit card. With rewards that never expire, 9% interest rates, and exclusive benefits on travel and lifestyle, this card is highly suitable for people who travel a lot and also spend higher value amounts on their credit card. Let’s see what makes this card so attractive.Apply to IDFC Wealth Credit Card via CreditMantri in a few steps. Read on to know more about the offers, charges, eligibility, documentation, and application process.
Key features and benefits
1. 10X reward points on all spends above Rs. 30,000 and on your birthday
2. Reward points that never expire.
3. 6X and 3X reward points on online and offline purchases done up to Rs. 30,000
4. Use reward points to pay for offline and online purchases
5. 3X reward points on rental and property management spends
6. 1 reward point for every Rs. 100 spend. 1 reward point = Re. 0.25
Joining Benefits
Welcome Voucher | Rs. 500 | On spends of Rs. 15,000 or more in the first 90 days |
Cashback | 5% maximum up to Rs. 1,000 | On your first EMI transaction within the first 90 days |
You can claim your welcome voucher by logging in to IDFC’s official website. Choose your voucher from brands like Amazon, Bigbasket, Uber, Lifestyle, etc.
Travel Benefits
Forex Markup | 1.50% | - |
Domestic Lounges and Spa | 4 complimentary visits | In a quarter |
International Lounges and Spa | 4 complimentary visits | In a quarter |
Railway Lounge | 4 complimentary visits | In a quarter |
Interest-free cash withdrawal | Rs. 250 anywhere in the world | Up to the first 48 days |
Other Premium Benefits
Movie offers | Free tickets on the Paytm app, buy 1 get 1 free up to Rs. 500 | Up to twice per month |
Online offers | offers on 300+ merchants | throughout the year |
Dining offers | 20% discount at 1500+ restaurants | - |
Health and Wellness offers | 15% discount at 3000+ health and wellness outlets | - |
Golf rounds | Complimentary twice per month | On spends of Rs. 20,000 and Rs. 40,000 to claim both rounds |
Insurance and road assistance
1. Exclusive complimentary roadside assistance worth Rs. 1,399
2. Up to Rs. 400 per month fuel surcharge waiver at all fuel stations across India, a maximum of up to 1% of the total bill.
3. Exclusive Air accident cover of Rs. 1 crore (needs a minimum of 1 transaction in the previous month)
4. Lost card liability cover of Rs. 50,000 and personal accident cover of Rs. 10,00,000.
5. Comprehensive travel insurance cover of USD 1200
Convenience
This type of IDFC Credit card offers some convenient schemes that make managing your finances easier. Let’s take a look at them.1. Convert all transactions above Rs. 2,500 into convenient and easy EMIs via your mobile app
2. Option to convert instantly all online transactions above Rs. 2,500 into EMI on the bank’s OTP page
3. Transfer the balance on your other credit cards conveniently with the balance transfer privilege.
Charges and Fees
Annual Fee | NIL | - |
Interest-free cash withdrawal | Rs. 250 per transaction | Up to 48 days from the date of issue |
Overlimit Charge | 2.5%, minimum Rs. 500 | - |
Interest rates | 0.75% to 3.5% per month (9% to 42% annually | - |
Forex MarkUp | 1.50% | - |
Late Payment Fee | 15%, minimum Rs. 100, and maximum Rs. 1,250 | - |
Eligibility Criterion
Minimum age | 21 years |
Residency | Indian resident with a current and permanent residence in India. |
Cities | As per the banks discretion |
Creditworthiness | As per the banks discretion |
Income Level | Minimum Rs. 25,000 |
Demographics | As per the banks discretion |
Credit Exposure | As per the banks discretion |
Credit history | As per the banks discretion |
Existing bank relationship | As per the banks discretion |
Documentation needed
Identity proof | - |
Aadhaar card/Passport/Driving License | - |
Address proof | Bank Statement/Rental agreement/Voter ID/Passport/Ration card |
Income proof | Salary statement/Form 16/IT returns |
Apply for IDFC First Wealth Credit card via CreditMantri –
1. Click on “Check Eligibility”
2. Enter details like Email ID, Mobile Number, Residence city, Employment type, Residence pincode
3. Click on “Submit”
4. Enter the OTP received on the registered mobile number.
5. Proceed with the rest of the application and you will be done in a few minutes.
Apply for IDFC First Wealth Credit card on the bank website –
You can apply for the card via the bank’s official website
1. Click on “Apply now”
2. Enter details like Name, Date of Birth, and Mobile number
3. Click on “Get OTP”
4. Input the OTP and proceed to complete the application
Apply for IDFC First Wealth Credit card offline
You could also apply for a credit card offline by calling their customer care number 1860 500 1111, visiting the bank’s branch, through SMS, etc.
FAQ of IDFC First Wealth Credit Card
1. Do I have to pay a joining or annual fee for this card?
This is a lifetime free credit card and there is no joining/annual fee.
2. Is there an expiry date for the reward points?
No, the reward points do not expire and can be used anytime.
3. What claims are covered in the travel insurance cover?
You can claim the loss of your passport, check-in baggage, and other documents under the travel insurance cover. It will also cover the delay in delivery of check-in baggage and flight delays.
4. Is there a fee for the redemption of reward points?
You do have to pay Rs. 99 as a convenience fee to redeem the reward points.
5. Can you redeem the reward points on fuel, EMI transactions, cash withdrawals, and insurance?
No, you cannot
6. What is the balance transfer privilege?
With the balance transfer privilege, you can transfer the balance on your other credit cards to IDFC First Wealth Credit card and make payments at a low-interest rate.