Summary
All things considered, the IDFC FIRST Wealth Credit Card is a strong and profitable financial tool meant for people who wish premium features without paying yearly fees. For wise spenders, this is a lifelong free credit card since it has no annual fees or joining charges.
Furthermore, this card has a great rewards program whereby, on increased monthly purchases as well as on your birthday, you can receive up to 10X reward points. These reward points never expire, hence you have free will to spend them whenever you choose. There is a little redemption cost, though, ₹99 (+GST).
Frequent travellers and luxury seekers would also find the card perfect since it offers various travel privileges including free admission to domestic and international airport lounges, train lounges, and even free golf sessions. Your whole financial strategy gains much value from the low-interest rate, insurance coverage, and Buy 1 Get 1 Free movie tickets as well.
Introduction
Credit cards now represent ease, luxury, and financial independence rather than only a means of payment in the fast-paced digital age. Among the several credit cards accessible in India, the IDFC FIRST Wealth Credit Card is unique in terms of premium advantages and exclusive features. This credit card provides something for everyone whether your trip frequency is high, you enjoy shopping, or you appreciate tailored service. Best of all, from the comfort of your house, you may apply for it online.
First of all, the IDFC FIRST Wealth Credit Card is especially meant for those who want a fulfilling lifestyle together with wise financial management. It is among the most appealing choices in the premium credit card range since it offers high-end privileges together with zero annual fees. From free golf sessions and roadside help to unrestricted lounge access at airports, this card provides a plethora of advantages that match your regular demands as well as luxury ones.
Besides, applying for this credit card has never been simpler. The user-friendly online platform of IDFC FIRST Bank speeds up, simplifies, and eliminates the entire application process, paperless. You need not stand in line or visit a bank branch. If you satisfy the qualifying requirements, you can complete the application form, add your documentation, and get quick approval with just a few clicks. This hassle-free approach saves your effort as well as your time.
Starting from just 0.75% per month, the card also boasts some of the lowest interest rates in the business, which is a fantastic benefit for people who wish to carefully control their payments. IDFC FIRST Wealth Credit Card is a sensible choice during an emergency since it offers interest-free cash withdrawals for up to 48 days, unlike many other cards.
What is the IDFC FIRST Wealth Credit Card?
Designed exclusively for those who appreciate a lavish and fulfilling lifestyle, the premium credit card available from IDFC FIRST Bank is the IDFC FIRST Wealth Credit Card. Along with cheap interest rates, great reward points, free roadside assistance, and unrestricted access to airport lounges, it offers. This premium card is especially more enticing as it lacks a yearly or membership fee, unlike many other ones.
Furthermore, the card provides up to 48 days of interest-free cash withdrawals, which would be quite beneficial should sudden financial demands arise. The best thing is that these reward points never expire; you also get points on every purchase. For those who travel frequently or have active lifestyles, you also get free golf sessions, travel insurance, and meal savings.
How is the design of the IDFC FIRST Wealth Credit Card?
Designed gracefully, creatively, and fashionably, the IDFC FIRST Wealth Credit Card exactly reflects its premium features. The card first looks to be wealthy and enticing from its sophisticated black colour. Its straightforward style employing clean lines and strong letters helps it to stand out in your wallet and improves its professional appeal.
Besides, the card feels firm and smooth in touch since it is of excellent quality. Its vertical design gives a fresh, distinctive touch unlike most traditional cards. Moreover, the key elements—your name and card number—are positioned deliberately to maintain the card’s cleanliness.
What are the benefits of the IDFC FIRST Wealth Credit Card?
Its main benefits are broken out here:
Lifetime Free without Annual or Joining Fees
- Being lifetime free, this card lets you access premium perks without paying annual or membership fees.
Program For Reward Points
- Monthly spending up to ₹20,000 earns 3X reward points.
- Ten X reward points for birthday purchases and monthly spends over ₹20,000.
- One X reward point for insurance and utilities.
- Though a redemption charge of ₹99 (+GST) applies, reward points never expire and can be used for many possibilities.
Benefits of Travel and Lifestyle
- Subject to a minimum monthly spend of ₹20,000, two domestic and two international airport lounge visits each quarter are complimentary.
- Access to a railway lounge: four complimentary trips every three months.
- Golf privileges: Two free rounds every month if a statement cycle spends ₹20,000.
- Buy one, get one free on movie tickets up to ₹250, twice a month.
Protection and Coverage: Insurance
- Coverage for air accidents of ₹1 crore.
- ₹10 lakh is my personal accident cover.
- Cover of ₹50,000 lost card obligation.
- $1,200 worth of complete travel insurance.
Extra characteristics
- Interest-free cash withdrawals spanning up to 48 days, with a transaction cost of ₹199 + GST.
- Low 1.5% currency margin on overseas transactions.
- EMI conversion a accessible for purchases more than ₹2,500.
What are the fees for the IDFC FIRST Wealth Credit Card?
Here is a simple breakdown of the IIDFC FIRST Wealth Credit Card fees.
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a charge of 0.75% per month (3.5% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an IDFC FIRST Wealth Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get an IDFC FIRST Wealth Credit Card?
The documents that you will have to submit to get the IIDFC FIRST Wealth Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the IDFC FIRST Wealth Credit Card be used?
Here is the list of places where you can use it:
- With the IIDFC FIRST Wealth Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your IIDFC FIRST Wealth Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The IIDFC FIRST Wealth Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the IDFC FIRST Wealth Credit Card?
The credit amount you can spend is what you are provided with an IIDFC FIRST Wealth Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an IDFC FIRST Wealth Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the IDFC First Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC FIRST Wealth Credit Card.
- Just hover your cursor on the IIDFC FIRST Wealth Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest IDFC First Bank branch to apply for the IDFC FIRST Wealth Credit Card.
- Request the credit card application form for the IIDFC FIRST Wealth Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the IIDFC FIRST Wealth Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions in the envelope through the IDFC First Bank Card website, mobile app, or customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an IDFC FIRST Wealth Credit Card in 2025 be right?
Getting an IIDFC FIRST Wealth Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
Ultimately, those who want to enjoy premium lifestyle advantages without thinking about annual or hidden costs will find great value in the IDFC FIRST Wealth Credit Card. It distinguishes many other credit cards on the market since it provides the ideal mix of luxury, savings, and convenience. This card has plenty to offer regardless of your travel frequency, shopping passion, or simple financial management needs.
Furthermore, one of the main benefits of this card is that it is lifetime free, thus you may enjoy all its perks without paying any annual or membership fees. Long term, this makes it rather economical. Apart from this, the reward points program is rather beneficial, and the points never expire, so you can gather and use them at your own speed.
Among other things, the card gives access to domestic and foreign airport lounges, free golf courses, buy-one-get-one movie incentives, and insurance coverage. These rights not only make your way of living more comfortable but also have considerable worth for your daily expenses. Better still, compared to other cards, the interest rates are quite low, and you can withdraw cash interest-free for up to 48 days, quite useful in case of an emergency.
Frequently Asked Questions (FAQ’s)
Ans: Indeed, one can use the card everywhere. Also, less than most cards is a 1.5% foreign currency markup fee.
Ans: Using the IDFC FIRST mobile app or net banking, transactions above ₹2,500 can indeed be turned into simple EMIs.
Ans: Indeed, every request for a prize redemption costs ₹99 (GST).
Ans: Twice every month, you do indeed get a Buy 1 Get 1 Free movie ticket offer (up to ₹250).
Ans: Without paying an annual charge, the card provides first-rate privileges such as free lounge access, golf courses, and reward points. This qualifies it as among India’s top lifetime free credit cards.
