IDFC FIRST Wealth Credit Card

1. Unlimited Reward Points System

• 10X Points: Earn 10X points on all spends above ₹20,000 per month and on your Birthday.

• 3X Points: Earn 3X points on spends up to ₹20,000.

• Travel & Dining: Accelerated rewards for travel bookings via the IDFC Mobile App.

• Redemption: Points can be used instantly at merchant stores or for vouchers. 1 RP = ₹0.25. (Redemption fee: ₹99 per request).

2. Travel & Global Lifestyle

• Airport Lounges: 1 complimentary Domestic and 1 International lounge visit per quarter (Unlocked by spending ₹20,000 in the previous month).

• Spa Access: Complimentary airport spa access (unique to the Wealth variant).

• Forex markup: Only 1.5%, which is significantly lower than the standard 3.5% on other cards.

• Airport Meet & Greet: Discounts on Fast Track immigration and limousine services globally.

3. Entertainment & Insurance

• Movies: Buy 1 Get 1 (BOGO) movie ticket offer up to ₹500 on the Zomato District app (twice a month).

• Golf: 2 complimentary golf rounds/lessons per month (based on statement spends).

• Insurance: Massive ₹1 Crore Air Accident Cover and Travel Insurance (USD 1200) for lost baggage or flight delays.

• Roadside Assistance (RSA): Complimentary 24/7 RSA across India.

4. Fees & Charges (2026)

• Joining/Annual Fee: NIL (Lifetime Free).

• Interest Rates: Dynamic APR from 0.75% to 3.85% per month (9% to 46.2% p.a.).

• Cash Withdrawal: Interest-free cash withdrawal for up to 48 days (only a flat ₹199 processing fee applies).

PART 3: ELIGIBILITY CRITERIA (WEALTH VARIANT)

Kyunki yeh ek premium card hai, iski eligibility criteria “Select” card se thodi high hoti hai:

• Monthly Income: Minimum ₹3 Lakh per month (Net Salary).

• Annual Income (ITR): Minimum ₹36 Lakhs per year (For self-employed).

• Existing Relationship: Agar aapka IDFC FIRST Bank ke saath “Wealth” category ka savings account hai, toh aapko yeh card easily mil sakta hai.

• Credit Score: A superior credit score, usually 780 or above.

• Age: 21 to 65 years.

Disclaimer: All logos and images are property of IDFC FIRST Bank. Benefits and eligibility are subject to change as per bank policy. Please verify on the IDFC 0101 app before applying.