IDFC FIRST Bank FIRST Wealth credit card review: fees, rewards and eligibility
The IDFC FIRST Bank FIRST Wealth has a recorded annual fee of ₹0 and a base earn of 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). CardMasters checked its issuer terms on 2026-08-01. Affiliate commission never changes ranking; confirm final terms and approval with IDFC FIRST Bank.
IDFC FIRST Bank FIRST Wealth: short answer
The IDFC FIRST Bank FIRST Wealth is in the premium tier of IDFC FIRST Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point) and a 1.5% forex markup. Rewards are not earned on fuel, emi, cash advance, fees, loan on card. It suits lifetime free, low forex, premium on budget spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
Reward structure
3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point)
- 5 points per ₹100 on dining, travel, international and birthday spends — 10 Reward Points per ₹200 from the first eligible transaction; 1.25% at ₹0.25/point
Eligibility and important limits
published monthly income floor ₹3,00,000 IDFC FIRST Bank publishes annual income of ₹36 lakh or more; approval remains subject to bank assessment. No numeric credit-score cutoff is published. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, emi, cash advance, fees, loan on card, balance transfer.
Important limit: Effective 18 June 2026: base unit changed to ₹200, 10X moved to dining/travel/international from first eligible transaction, and points earned from the July 2026 statement cycle expire after 24 months
Frequently asked questions
What is the annual fee for the IDFC FIRST Bank FIRST Wealth?
The IDFC FIRST Bank FIRST Wealth currently has no annual fee in our record. Lifetime free.
How do rewards work on the IDFC FIRST Bank FIRST Wealth?
3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). Accelerated routes include 5 points per ₹100 on dining, travel, international and birthday spends. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the IDFC FIRST Bank FIRST Wealth?
The current issuer-sourced exclusions recorded by CardMasters include fuel, emi, cash advance, fees, loan on card, balance transfer. Merchant category coding and issuer terms determine final eligibility.
Who should consider the IDFC FIRST Bank FIRST Wealth?
It is most relevant for people focused on lifetime free, low forex, premium on budget. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the IDFC FIRST Bank FIRST Wealth worth it?
With no recorded annual fee, the IDFC FIRST Bank FIRST Wealth costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the IDFC FIRST Bank FIRST Wealth?
The published monthly income floor is ₹3,00,000. IDFC FIRST Bank publishes annual income of ₹36 lakh or more; approval remains subject to bank assessment. No numeric credit-score cutoff is published. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the IDFC FIRST Bank FIRST Wealth?
The recorded foreign-currency markup is 1.5% before GST. On ₹1,00,000 of international spend that is about ₹1,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the IDFC FIRST Bank FIRST Wealth offer airport lounge access?
Domestic lounge access: 1/quarter after ₹20K spend in the previous calendar month. International lounge access: 1/quarter after ₹20K spend in the previous calendar month. Spend conditions and guest charges are set by the issuer and can change.