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IDFC FIRST Wealth Credit Card
89/100
IDFC FIRST Bank
The most feature-packed Lifetime Free premium card in India.
Credwiser Score 89/100

IDFC FIRST Wealth Credit Card

IDFC FIRST Bank • The most feature-packed Lifetime Free premium card in India.

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IDFC FIRST Wealth proves that premium travel perks do not require a ₹10,000 annual fee. It includes international lounge access, spa privileges, and a low 1.5% forex markup with zero annual maintenance fees.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)
Fee WaiverLifetime Free forever (Zero joining or annual fee)
Joining PerkLifetime Free card with ₹500 welcome voucher
Primary RewardUp to 10X reward points (2.5% return) + Low 1.5% Forex markup
Airport Lounge Access4 Domestic + 4 International airport lounges per quarter (Spend-linked: ₹20k/mo)
Forex Markup1.5% + 18% GST (Lowest among LTF bank cards)
RuPay UPINo
Best ForHigh net-worth individuals wanting premium perks and low forex without paying any card fee

What We Like

  • Lifetime free card with zero annual or renewal charges
  • Low 1.5% foreign currency markup fee
  • Reward points never expire and have no redemption fees

Watch Out

  • High eligibility threshold (₹36 Lakhs+ annual ITR or ₹10 Lakhs+ TRV with IDFC)
  • Lounge visits now require ₹20,000 monthly retail spend

MITC & Hidden Charges

Cash advance interest rate starts at an industry-low 0.75% per month. 18% GST applicable on interest and forex charges.

IDFC FIRST Wealth Credit Card FAQs

Are IDFC FIRST Wealth reward points subject to expiry?

No, IDFC FIRST reward points never expire and you do not pay any redemption fee when using them for flight or hotel bookings.

Alternatives to Consider

Scapia Federal Credit Card
91/100
Federal Bank
The undisputed king of zero forex markup travel cards.
Annual Fee₹0 LTF
Reward0% Forex Markup on international transactions + Unlimited domestic lounges (spend-linked)
LoungeComplimentary Domestic Lounges upon spending ₹5,000 in previous billing cycle
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HDFC Infinia Metal Edition
98/100
HDFC Bank
The undisputed monarch of Indian super-premium credit cards.
Annual Fee₹12,500 + GST
Reward3.3% Base to 33.3% via SmartBuy Portal
LoungeUnlimited Domestic & International visits (Priority Pass with free guest access)
Apply Now →
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