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Lifetime FreeLast updated: 29 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10X on >₹30k spend
Points never expire. 1 Point = ₹0.25
The privileges that come bundled in, beyond the reward points.
Lifetime Free
4 Domestic & Intl Lounge
Spa Access
An honest read on where this card earns its keep — and where it doesn't.
LTF Premium
Low Forex 1.5%
High income criteria
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how IDFC FIRST Wealth stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about IDFC FIRST Wealth fees, reward conversion, lounge access, and application eligibility.
Yes, IDFC FIRST Wealth is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
IDFC FIRST Wealth earns Points at a primary rate of 10X on >₹30k spend. Specifically, Points never expire. 1 Point = ₹0.25. Spends in Premium categories provide the maximum valueback per transaction on this card.
Yes, IDFC FIRST Wealth features complimentary airport lounge privileges. Privileges include: "4 Domestic & Intl Lounge". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of IDFC FIRST Wealth. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
IDFC FIRST Wealth is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
IDFC FIRST Wealth levies a forex markup fee of 1.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
IDFC FIRST Wealth currently features a welcome offer: "₹500 Voucher". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include LTF Premium and Low Forex 1.5%. However, keep in mind that High income criteria. Overall, IDFC FIRST Wealth delivers strong value if your regular spending aligns with Premium.
You can apply for IDFC FIRST Wealth directly through IDFC FIRST Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
