IDFC FIRST Wealth Credit Card

Award example

• For a ₹10,000 booking paid using 28,000 points (worth ₹7,000) and ₹3,000 via card, a ₹5,000 refund credits back 20,000 Reward Points.
• If refund was ₹8,000, customer receives 28,000 points (worth ₹7,000) and ₹1,000 back to card.

Verified · FIRST Wealth Credit Card - Reward Program Terms & Conditions · 2026-07-11 · source

Redemption value

• 1 Reward Point = ₹0.25.
• Reward Redemption Fee: ₹99 per redemption transaction.
• Reward Points valid for 24 months from date of credit.
• On Platform flight/hotel bookings, points can be redeemed to pay up to 70% of total booking value (incl. tax).

Verified · FIRST Wealth Credit Card - Reward Program Terms & Conditions · 2026-07-11 · source

Reward cap

• Base 3 RP rate applies on eligible spends up to ₹20,000 per monthly statement cycle.
• Accelerated travel bonus: total bonus reward points cap 8,000 per calendar month.
• Redemption cap: 1,00,000 reward points per calendar month and 2,00,000 per calendar year.

Verified · FIRST Wealth Credit Card - Reward Program Terms & Conditions · 2026-07-11 · source

Reward exclusion

Verified · FIRST Wealth Credit Card - Reward Program Terms & Conditions · 2026-07-11 · source

Lounge access

• Airport lounges: 1 complimentary visit per quarter to participating airport lounges in Indian Airports (domestic and international) and 1 complimentary visit per quarter to lounges at select Global Airport Terminals (shared between primary and add-on cardholders).
• Railway lounges: up to 4 complimentary visits per quarter at participating railway lounges in India (shared, first-come-first-serve, up to 2 hours stay).
• All require minimum monthly spends of ₹20,000 (spends between 1st and last day of a calendar month count for access in the next month).
• Nominal ₹2 authorization charge to verify card validity.

Verified · FIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms) · 2026-07-11 · source

Hotel benefit

• Accelerated Bonus Reward Points on hotel bookings via the IDFC FIRST Bank Mobile App 'Travel & Shop' platform: 20% Bonus Reward Points on hotel bookings (up to 25% total including base earn) and 10% Bonus Reward Points on flight bookings (up to 15% total).
• Effective January 18th, 2026.
• Bonus applies only on full swipe transactions completed without redemption of reward points.

Verified · FIRST Wealth Credit Card - Reward Program Terms & Conditions · 2026-07-11 · source

Travel benefit

• Roadside Assistance: complimentary RSA all over India, up to 4 times in a year worth ₹1,399, through Global Assure.
• Travel insurance covering loss of checked-in baggage (USD 500), delay in flight (USD 300), delay of checked-in baggage (USD 100) and loss of passport and documents (USD 300) - payable only if air ticket purchased on the card.
• Booking cancellation refunds for reward points and card payments processed within 7 business days.

Verified · FIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms) · 2026-07-11 · source

Welcome benefit

₹500 gift voucher from choice of brands like Amazon, Bigbasket, Uber and Lifestyle on spending ₹5,000 within 30 days of card generation (30 days from the day you receive SMS/email confirmation that your card is generated).

Verified · FIRST Wealth product page · 2026-07-11 · source

Concierge

Access to VISA concierge, a 24/7 digital personal assistant that gives access to extraordinary experiences and offers at premium brands.

Verified · FIRST Wealth product page · 2026-07-21 · source

Golf benefit

• One complimentary golf round or golf lesson every quarter, unlocked for every ₹20,000 of monthly statement spends using the FIRST Wealth Credit Card.
• Each complimentary benefit valid for 60 days from the day it is updated in the online account.
• Card Validation Fee of ₹2 applies when making a booking.

Verified · FIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms) · 2026-07-11 · source

Insurance

• Complimentary insurance (New India Assurance): Personal Accident (accidental death/permanent disability) ₹10,00,000.
• Personal Air Accident ₹1,00,00,000.
• Card Liability Cover (lost card/counterfeit/skimming/online fraud) ₹50,000.
• Credit Shield ₹50,000.
• Purchase Protection ₹50,000.
• Travel Insurance - Loss of Checked-In Baggage USD 500, Delay in Flight USD 300, Delay of Checked-In Baggage USD 100, Loss of Passport and documents USD 300.
• All require at least 1 Purchase/ATM withdrawal in the last 30 days prior to the event.
• Travel covers require air ticket purchased on the card.

Verified · FIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms) · 2026-07-11 · source

Milestone benefit

• Movie Buy-One-Get-One offer: buy one ticket and get up to ₹250 off on the second ticket on District app by Zomato, usable twice per user per card per calendar month (max discount ₹500 per month).
• Unlocked only on minimum monthly spends of ₹20,000 (spends in current calendar month give access in the next month).
• Also 1 complimentary golf round or golf lesson every quarter unlocked for every ₹20,000 of monthly statement spends.

Verified · FIRST Wealth Credit Card Privileges (lounge, movie, golf benefit terms) · 2026-07-11 · source

Eligibility

• FIRST Wealth Credit Card add-on card available at joining and annual fee of ₹499.
• Card member entitled to apply for credit/cash limit review upon completion of 12 months of membership.

Verified · FIRST Wealth product page · 2026-07-11 · source

Forex markup

1.50% markup on foreign currency transactions and Dynamic & Static Currency Conversion Transactions.

Verified · Most Important Terms & Conditions (MITC) - effective 18th June 2026 · 2026-07-11 · source

Charge

• Cash advance transaction fee ₹199 per transaction.
• Finance charges (interest) Monthly Rate 0.71%-3.85%, Annual Rate 8.5%-46.2% (overdue interest Monthly 3.99% / Annual 47.88%).
• Late payment charges 15% of Total Amount Due of previous statement minus payments before due date (minimum ₹100, maximum ₹1,300; none if TAD less than ₹100).
• Over-limit charges 2.5% of over-limit amount (minimum ₹550).
• Return of cheque/Auto-Debit SI/Payment Return 2% of payment amount (minimum ₹500).
• Reward Redemption Fee ₹99 per redemption transaction.
• Card replacement fee ₹199.
• Fee on cash payment at branches, duplicate statement request, outstation cheque processing, cheque/cash processing and charge slip request all NIL.
• Rent & Property Management Fee 1% of transaction value (minimum ₹249, domestic only).
• Fair usage on Utility Spends 1% fee if total Utility Spends exceed ₹20,000 in a statement cycle.
• Fuel Fee 1% if total Fuel Spends exceed ₹30,000 in a statement cycle.
• Passenger Railways Transaction Fee 1% if total exceed ₹25,000 in a cycle.
• Tolls and Bridges Transaction Fee 1% if total exceed ₹10,000 in a cycle.
• Education Payment Fee 1% on Education Spends via third-party apps (minimum ₹249).
• GST at 18% on all fees, interest and charges.
• MITC effective 18th June 2026.

Verified · Most Important Terms & Conditions (MITC) - effective 18th June 2026 · 2026-07-11 · source

Fuel surcharge waiver

1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000, capped at a maximum of ₹300 per statement cycle (waiver capped at 1% of eligible fuel transaction amounts, excluding GST).

Verified · Most Important Terms & Conditions (MITC) - effective 18th June 2026 · 2026-07-11 · source

Interest-free period

• Interest-free (grace) period shall not exceed 45 Days, varying by transaction and statement date.
• Not applicable if previous month's statement balance not cleared in full by the due date.

Verified · Most Important Terms & Conditions (MITC) - effective 18th June 2026 · 2026-07-11 · source

Official terms

https://www.idfcfirst.bank.in/credit-card/wealth.

Verified · FIRST Wealth product page · 2026-07-11 · source