Our Money Guide

The IDFC First Wealth Credit Card is a premium card from IDFC First. Unlike most premium cards in the industry, this card is offered lifetime free.

It comes with a range of benefits, but the reward rates given on card spending are comparatively low.

IDFC First Wealth

Brief Summary

4.0 / 5

Our View

The IDFC First Millennia Credit Card is best for those who want a lifetime free card. Such cards are attractive for those who do not want to do a cost benefit analysis of various cards, and for those who do not want to keep a track of their annual card spends (since many cards offer annual fee waivers based on yearly card spends).

However, such cards usually come with a comparatively lower reward rate.

IDFC First Wealth

on IDFC First Bank website

IDFC First Wealth Credit Card

Special Benefits

Lifetime free card

Other Benefits

Complimentary railway lounge access

Minimum Income

Not specified

Annual Fee

Zero

Annual Fee Offers

Welcome offer worth over ₹500

Pros and Cons of IDFC First Wealth Credit Card

Pros

  • Premium card offering, but with no annual fee (lifetime free card)
  • Range of benefits like complimentary airport & railway lounge access, free golf rounds, movie benefits, roadside assistance, complimentary insurance covers.

Cons

  • Reward rates on card spending are comparatively low.

Features & Benefits of IDFC First Wealth Credit Card

Lifetime free card, with welcome offers

Upto 2.50% reward on all card spends

Complimentary airport lounge (both domestic and international) & domestic airport spa access – total 4 times per quarter

Complimentary railway lounge access – 4 times per quarter

Complimentary golf benefits – upto 2 golf rounds per month

Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹1000 per month

Emergency complimentary roadside assistance (RSA) package worth ₹1399

Fuel surcharge waiver, upto ₹400 per month

Variety of complimentary insurance covers

Exclusive offers on IDFC First Credit Cards

IDFC First offers exclusive deals on shopping, travel, dining, health & wellness, entertainment and more.

Please click here to see the latest offers – IDFC First Deals & Offers.

IDFC First customer care

You get 24X7 assistance, please click here to see all available options.

IDFC First Wealth Credit Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining feeLifetime free Welcome offers worth over ₹1000
You get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
You enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI, completed within 30 days of card generation.
Renewal fee from 2nd year onwardsLifetime free

Late payment fee

Late payment fee is charged if you do not pay even the minimum amount due on your card bill, before the bill due date. You will be charged 15% of the total amount due , with a minimum charge of ₹100 and a maximum charge of ₹1300.

Finance charges
0.75% – 3.65% per month (9% – 43.8% per annum) on outstanding balances, depending on the profile of the cardholder.

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – IDFC First Credit Card Fees & Charges

Eligibility Criteria

Minimum income requirements₹36 lakhs per year
Minimum age18 years
Occupation Salaried, self-employed
Credit scorePreferably above 750

Application Process & Tracking Your Application Status

Step-by-step guide

Online application process 
The easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the IDFC First Bank website. You can also visit official website of the bank and fill out the application form.

Steps –
Fill out the online application form with basic personal details
Fill out additional details along with basic documents details
Verification and opening of card
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Tracking your application status Click here to track the status of your IDFC Credit Card application.

Necessary documents and verification

Required documents 
PAN card
Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof
Income documents : salary slip, income tax return etc.

In addition to these, you may be asked to provide additional documents on a case to case basis.
Apply Now

on IDFC First Bank website

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