IDFC FIRST Wealth Credit Card
IDFC FIRST About This Card
IDFC FIRST Wealth is a lifetime free card with 1.5% forex markup, lounge access (8 domestic + 4 international with ₹20K monthly spend gate), and 6X on dining. The base reward rate of 0.75% is its weak spot, but the zero annual fee and decent forex make it a solid secondary card.
Pros & Cons
Pros
- Lifetime free — zero annual fee
- 1.5% forex markup — competitive
- 6X on dining
- 8 domestic + 4 international lounge visits (with ₹20K/month spend)
Cons
- 0.75% base reward rate is low
- ₹20K monthly spend gate for lounge access
- IDFC reward ecosystem is limited
- Points redemption options fewer than HDFC/Axis
Fee Details
Reward Structure
Lounge Access
Key Highlights
- + 1.5% forex markup
- + 6X rewards on dining
- + Lounge access with ₹20K monthly spend gate
- + Lifetime free — no annual fee
Compare With...
See how IDFC FIRST Wealth Credit Card stacks up against top alternatives
Want the Full Picture?
Compare the IDFC FIRST Wealth Credit Card side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.
CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.
Quick Summary
CardTrail Score
Best For
Own the IDFC FIRST Wealth Credit Card?
Get notified when benefits change, fees are revised, or a better alternative launches. One email, only when it matters.
Related Cards
View all cards
