IDFC First Wealth Credit Card Review 2025

By: Our Money Guide || Last updated on: November 12, 2025

The IDFC First Wealth Credit Card is a premium, lifetime-free credit card offering a robust suite of benefits, including airport lounge access, golf & movie offers, and low forex fees. It is a unique card in the industry, offering premium benefits without an annual fee. However, it now has minimum spending requirements to unlock benefits like lounge access and golf.

Brief Overview

• Annual Fee: ₹0 (Lifetime free) 
• Key Benefits: 
  • Rewards: 0.50% on spends up to ₹20,000 per month; 1.66% above ₹20,000 per month. 
  • Up to 8.3% Extra Rewards on Hotel and Flight Bookings
    • Extra rewards on hotel bookings: 8.3% 
    • Extra rewards on flight bookings: 3.3% 
  • Lounge Access: 8 domestic and 8 international airport lounge visits per year; 16 railway lounge visits per year (requires ₹20,000 card spend in previous month)
  • Movie Offer: Buy One, Get One free movie tickets (up to ₹250 each, 2 times per month). 
  • Golf Benefits: Up to 2 free golf rounds/lessons per month. 
  • Forex Fee: Low 1.50% fee on international transactions. 
  • Insurance: ₹1 crore air accident cover, ₹10 lakh personal accident cover, USD 1200 travel insurance. 
  • Roadside Assistance: Complimentary package worth ₹1399 (4 times per year). 
  • Fuel Surcharge Waiver: Up to ₹300 per month.
• Eligibility: Minimum annual income of ₹36 lakhs.

Detailed Review

Features & Benefits of the IDFC First Wealth Credit Card

The IDFC First Wealth Credit Card offers a range of premium benefits tailored for high-net-worth individuals. Below is a detailed breakdown of its key perks.

1. Rewards on Card Spending

Up to 1.6% Basic Rewards on Card Spending 

• Earn reward points on every transaction, redeemable for merchandise, vouchers, or travel on IDFC First Bank’s Rewards Platform: 
• Spending up to ₹20,000 per month: 0.50% reward (3X rewards; 3 points worth ₹0.75 per ₹150 spent). 
• Spending above ₹20,000 per month & on birthdays: 1.66% reward (10X rewards; 10 points worth ₹2.50 per ₹150 spent).

Exclusions: 

• No rewards on fuel, EMI, or cash withdrawals. 
• 0.16% reward on insurance and utility bill payments. 
• 0.50% reward on rental, education, wallet loads, and government spends.

Redemption: 1 reward point = ₹0.25, redeemable via the IDFC PoshVine Reward Portal.

Up to 8.3% Bonus Rewards on Hotel and Flight Bookings

• Extra rewards on hotel bookings: 8.3% (50 points worth ₹12.50 per ₹150 spent)
• Extra rewards on flight bookings: 3.3% (20 points worth ₹5 per ₹150 spent)

Redemption: 1 reward point = ₹0.25, redeemable via the IDFC PoshVine Reward Portal.

Limit: Maximum 8000 bonus reward points per month

2. Airport Lounge Access

• Domestic Airport Lounge: 8 visits per year (2 per quarter)
• International Airport Lounge: 8 visits per year (2 per quarter). 
• Spending Requirement: Airport lounge access is available only if you spend a minimum of ₹20,000 on your card in the previous month
• How to Use: Check eligible lounges here and track available visits here. 

3. Railway Lounge Access: 

16 visits per year (maximum 4 per quarter, subject to spending ₹20,000 on your card in the previous month). 

4. Complimentary Golf Benefits

• Up to 2 free golf rounds/lessons each month
• 1 round for every ₹20,000 spent in the prior month (max 2 rounds at ₹40,000 spend)

5. Buy One, Get One Free Movie Offer

• Offer: 2 free movie tickets (up to ₹250 each) each month via Zomato District. 
• How to Avail: Book tickets on Zomato District and apply the offer at checkout. 

6. Low Forex Fee

• Rate: 1.50% on international transactions (vs. 3.50% for most cards). 

7. Complimentary Insurance Covers

Protect yourself with a variety of insurance benefits: 

• Cancellation for Any Reason (CFAR): Up to ₹10,000 for 2 claims (hotel/flight cancellations). 
• Lost Card Liability: ₹50,000 cover for fraudulent transactions. 
• Personal Accident Cover: ₹10 lakhs for accidental death/permanent disability. 
• Air Accident Cover: ₹1 crore. 
• Travel Insurance: USD 1200, covering: 
  • Loss of checked-in baggage: USD 500. 
  • Delay of checked-in baggage: USD 100. 
  • Loss of passport/documents: USD 300. 
  • Flight delay: USD 300.

8. Emergency Roadside Assistance

• Value: Complimentary package worth ₹1399, including flat tire assistance, battery jump-start, fuel delivery, and towing (4x/year). 

9. Fuel Surcharge Waiver

• Offer: 1% waiver on fuel transactions between ₹200-₹5,000, up to ₹300 per month. 

10. FIRST Digital RuPay Credit Card

Link your IDFC First Wealth Credit Card to a digital-only UPI card: 

• Annual Fee: ₹199 (with up to ₹200 cashback). 
• Rewards: 0.50% on UPI spends above ₹2,000; 0.16% below ₹2,000. 
• Benefit: Shared credit limit with the Wealth Card for seamless UPI payments.

11. Exclusive Offers

Access deals on shopping, dining, travel, and more via IDFC First Bank’s Deals & Offers page.

Conclusion

Is the IDFC First Wealth Credit Card Worth It?

The IDFC Wealth Credit Card is a good choice for premium benefits without an annual fee. Whether you’re a frequent traveler enjoying lounge access, a movie buff leveraging BOGO offers, or an international shopper saving on forex fees, this card delivers good value. However, the introduction of minimum spend requirements for lounge access and golf has reduced the appeal for this card. Heavy users of the features on offer can still get tremendous value from this card.

However, at the same minimum income level, you can get better rewards and benefits with the best fee-paying premium credit cards. 

Bottomline: IDFC Wealth Credit Card is suitable for those looking for a lifetime free credit card with premium benefits.

Ready to apply? Click the application button below and start your IDFC Wealth Credit Card application!