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REWARD POINTS CARD

FIRST Wealth Credit Card

IDFC FIRST Bank

A lifetime-free Visa Infinite card with zero forex markup, 10X Reward Points on dining, travel and international spends, and quarterly domestic and international airport lounge visits.

Lounge, railway lounge and movie benefits need ₹20,000 spend in the previous calendar month; each reward redemption costs ₹99 + GST; points are valid 24 months.

FIRST Wealth Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
1 domestic and 1 international airport lounge visit each quarter, after ₹20,000 spend in the previous calendar month.
BEST FOR
Included: May suit applicants with annual income of ₹36 lakh or more who spend abroad or on dining and travel.
Included: May suit people who spend abroad often, given zero forex markup and 10X points on international spends.
Included: May suit people who dine out or order food delivery often, as dining earns 10X Reward Points.
Included: May suit travellers who book hotels and flights in the IDFC FIRST app, which adds 20%/10% bonus points.
Limitation: Spends mostly on fuel, EMIs or cash (no points) or on utilities, insurance may wish to compare other cards.
Limitation: Those who want lounge access without spending ₹20,000 in the previous calendar month may wish to compare other cards.
Limitation: Spend patterns centred on utilities, insurance, railway or FASTag, which earn 1X only may wish to compare other cards.
Limitation: Those applicants with annual income below ₹36 lakh, the published eligibility level may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Airport lounge, railway lounge and movie benefits unlock only after ₹20,000 spend in the previous calendar month.
Condition: Reward Points are earned only on spends up to your credit limit in each billing cycle.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
0.7% per month
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
1 visit per quarter — 1 complimentary visit per calendar quarter · Needs ₹20,000 spend in prior calendar month; shared by primary and add-on cardholders; present the card at the lounge · ₹20,000 spend in a calendar month unlocks access in the following month
International airport lounge
1 visit per quarter — 1 complimentary visit per calendar quarter · Via DreamFolks card; some lounges need online pre-booking up to 48 hours ahead; ₹20,000 prior-month spend applies · ₹20,000 spend in a calendar month unlocks access in the following month
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
DreamFolks (international airport lounges)
EVERYDAY
Fuel
1% on fuel transactions of ₹200–₹5,000; up to ₹300 per statement cycle (revised from ₹400 effective 20 Feb 2025)
Dining
10X Reward Points (10 RP per ₹200) on dining, including food delivery
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel, EMI, fees/charges & GST, loan on card, balance transfer, cash withdrawals or transactions under ₹200; insurance, utilities, railway, FASTag earn only 1X; Fuel, EMI-converted spends, cash withdrawals, fees/charges and GST, loan on card, balance transfer, transactions below ₹200
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
24 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 1 domestic and 1 international airport lounge visit each quarter, after ₹20,000 spend in the previous calendar month.
Included: Trip cancellation (CFAR) cover up to ₹10,000 on non-refundable flight and hotel bookings, for up to two claims per policy period.
Included: Air accident cover ₹1 crore, personal accident ₹10 lakh and lost card liability ₹50,000, if the card was used in the last 30 days.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.