IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
Free
Joining fee
Free
Annual fee
1.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried or self-employed, min annual income Rs 36,00,000
Lounge access
4 domestic / 4 international visits per year
Note: International lounge access and railway lounge access are both available per aggregator, but specific visit counts are not detailed in this fetch.
Reward details
1X point per Rs 200
- 10X points on Dining, travel, international spend
- 3X points on Other online/offline purchases
Welcome bonus: Up to Rs 1,500
Redemption
Ratio: 1 point = Rs 0.25; points valid 24 months
- Golf, dining, and movie discount privileges
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Lifetime-free structure with meaningful joining benefits (up to Rs 1,500); low forex markup for international travelers; comprehensive lifestyle perks (golf, dining, movies) — Paisabazaar
Complaints
- Low reward redemption value (Rs 0.25/point) with limited redemption options — Paisabazaar
- Base reward rate considered inadequate for a card positioned as premium — Paisabazaar
- Lounge access contingent on spending thresholds — Paisabazaar
Sources
- Official — confirmed lifetime-free status and 1.5% forex markup only; JS-rendered page did not return full detail content
- Aggregator — eligibility, lounge, rewards, sentiment