Lifetime-free card with premium benefits

Effective 1^st April 2026, the Airport Lounge Access & Golf benefit will be revised. Click here for details.

No, there is no joining fee or annual fee for the IDFC FIRST Wealth Credit Card. It is a lifetime-free Visa Infinite card that provides premium benefits at zero cost, making it an attractive option for customers. To apply, click here. 

IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.

Yes, you can withdraw cash from both domestic and international ATMs using your IDFC FIRST Wealth Credit Card. It offers interest-free cash withdrawals for up to 45 days. A flat fee of ₹199 + GST is applicable per transaction, which can be useful in emergencies or when you need liquid cash on the go.

Net Banking

Pre-login

• Click on Generate Credit Card PIN on the pre-login page [https://my.idfcfirst.bank.in/login]

• Enter your Customer ID and Credit Card number and click on Get OTP

• Verify using the OTP sent on your registered mobile number

• Enter and Re-enter a PIN of your choice and click on confirm

• Your Credit Card PIN is set

Login

• Login to your Net Banking account

• Select Credit Cards

• Select Set new PIN

• Enter and Re-enter a PIN of your choice and click on Get OTP

• Please verify using the OTP sent to your registered mobile number

• Your Credit Card PIN is set

Mobile Banking App

Pre-login

• Select the browse icon from the top menu on the login page

• Enter your Customer ID and Credit Card number and click on Get OTP

• Verify using the OTP sent to your registered mobile number

• Enter and Re-enter a PIN of your choice and click on Confirm

• Your Credit Card PIN is set

Login

• Login to Mobile Banking App

• Access the Credit Card section

• Select Set new PIN

• Enter and Re-enter a PIN of your choice and click on Get OTP

• Your Credit Card PIN is set

Customer Care

• Dial our Customer Care and follow the instructions to generate the PIN

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

The joining benefits include:

• A ₹500 gift voucher from top brands like Amazon, BigBasket, Uber, or Lifestyle upon spending ₹5,000 within 30 days of card generation
  
  
• 5% cashback (up to ₹1,000) on your first EMI transaction within the same 30-day window

These benefits add immediate value and are easy to unlock through regular spending.

The FIRST Wealth Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.

For brand offers, please visit https://idfcfirstrewards.poshvine.com/offers

The card levies a low forex markup of just 1.5% (+GST) on international transactions. This rate is applicable even when international purchases are made in INR, making it a cost-efficient companion for overseas shopping and travel.

Yes. Cardholders must spend ₹20,000 in the current calendar month to qualify for complimentary railway lounge access in the following month. You are eligible for 4 complimentary visits annually at select Indian railway terminals.

Yes. With FIRST Wealth Credit Card, you can enjoy:
 

- 1 complimentary visit per quarter to airport lounges at airport terminals in India. Use your credit card to access Indian airport lounges.

- 1 complimentary visit per quarter to global airport lounges. Use the DreamFolks card to access global airport lounges. Some global lounges require prebooking via the link

To view the list of airport lounges, click here

The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.

For e.g., Meet the spend criteria between 1st to 31st Jan 2024 to activate the benefit in Feb 2024.

Yes. Unused quarterly airport lounge visits can still be used within the same quarter. However, if not availed within the quarter, they do not carry forward. Railway lounge visits are dependent on qualifying spend in the previous month.

For airport and railway lounges, benefits are available by default each quarter. The benefit activates if you’ve spent ₹20,000 in the previous calendar month.

You are eligible for CFAR (Cancel for Any Reason) if:

• You hold the IDFC FIRST Wealth Credit Card
• You made travel bookings using the card during the valid policy period
  
  
• You have completed a minimum of 1 transaction on the credit card in the calendar month preceding the start of the policy period. For instance, spends in June 2025 will make you eligible for the policy period from 1st July 2025 till 7th May 2026.

Eligibility can also be confirmed by checking your card's policy coverage or by contacting IDFC FIRST Bank’s customer support.

No, you don’t need to transact every month. However, you must have completed at least 1 transaction on the credit card in the calendar month preceding the start of the policy period, and the booking must be made during the policy coverage period to be eligible for a CFAR claim. A maximum of two claims are permitted per policy year, with a maximum reimbursement of ₹10,000.

No. For the cover to apply, both booking and cancellation must occur within the defined policy period.

No, the CFAR benefit is included free of cost with the IDFC FIRST Wealth Credit Card. You do not have to pay any extra premium or subscription to avail this protection.

No, the CFAR cover is capped at ₹10,000 per policy period and cannot be enhanced. This amount can be utilised for up to two claims and is shared between the primary and add-on cardholders.

All flight bookings—domestic or international—made using the IDFC FIRST Wealth Credit Card are eligible, provided they fall under the non-refundable portion of the fare and are made within the policy period. Supporting documentation must be submitted during claims.

No. If you have already filed two claims, you cannot claim the remaining ₹5,000, even if it is unused. The maximum number of claims allowed is two during the policy period.

Yes. Spend ₹20,000 in a billing cycle to unlock a complimentary golf round or lesson. You can enjoy 1 complimentary session each quarter at 20+ golf courses in India, offering a premium leisure experience.

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. However, the limit will be shared across all unsecured credit cards.

Yes. You will earn:​

- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday​

- 3X reward points on spends up to ₹20,000 in a statement cycle​

- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions​

- 1 reward point on Utilities, Insurance, Railway and Fastag transactions​

The reward points you earn stay with you forever, as long as the card is active.​ 
Categories not included in the 10X Reward Points threshold, include Rental & Property Management, Utility, Insurance, Government Services, Education, Wallet Load, Railway and Fastag. Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.​

1X equals 1 reward point for every ₹200 spent in a transaction. The value of 1 reward point is ₹0.25.

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, Railway, Fastag, EMI, Cash Withdrawal, Fuel, Fee, and Charges.​

Only transactions settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited in the next statement generation.​

You can use your Reward Points while paying online or while shopping at a store. Just choose the option to pay with points. You can also redeem your Reward Points on amazing offers at www.idfcfirstrewards.poshvine.com

There will be a redemption fee of ₹99 + GST on every reward redemption transaction

There is no expiry date on the Reward Points accrued on your IDFC FIRST Wealth Credit Card. You can use your Reward Points whenever you want, as long as your card is active.

The reward points will get credited upon statement generation.

The IDFC FIRST Wealth Credit Card features a sleek, appealing design that reflects elegance and modernity. Crafted with a premium matte finish, it resonates with the lifestyle of affluent individuals seeking sophistication in both utility and aesthetics.

Cardholders can enjoy a Buy-One-Get-One movie ticket benefit via the District app. This offer provides a discount of up to ₹250 on the second ticket and can be availed twice per calendar month, making movie outings more affordable and enjoyable.

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152

Yes. You can share your credit limit with anyone, including friends, family, or a loved one, with an Add-On credit card at a joining and annual fee of just ₹499.

While they can use the card for their purchases, the bill will have to be paid by you.

For more details, please click the link below:

Add of Credit Card- Check Benefits & Apply |IDFC FIRST Bank

Yes, the IDFC FIRST Wealth Credit Card provides access to airport Meet and Greet services as part of its Visa Infinite privileges. Cardholders can enjoy discounted access to fast-track immigration services at over 450 global destinations, ensuring a smooth and premium airport experience. This benefit adds a layer of luxury and convenience for frequent flyers, enhancing the overall travel experience from arrival to departure.

Yes, the IDFC FIRST Wealth Credit Card is a lifetime-free credit card, meaning it comes with zero joining and annual fees. Despite offering a host of premium benefits—such as Visa Infinite privileges, travel insurance, lounge access, railway lounge visits, and complimentary golf access—there are no recurring membership charges, making it a truly rewarding option for elite and aspirational customers.

As a Visa Infinite credit card, the IDFC FIRST Wealth Credit Card unlocks several exclusive travel benefits:

• Complimentary Lounge Access: 1 domestic airport lounge and 1 international airport lounge visit per quarter
• Visa Infinite Meet & Greet Discounts: Preferred pricing for immigration fast-tracking at over 450 airports
• Airport Transfer Discounts: Preferential rates on limousine airport transfers in over 3,000 cities worldwide
• Comprehensive Travel Insurance: Coverage up to USD 1,200 across categories like loss/delay of baggage, passport loss, and flight delay
• Low Forex Mark-Up: Just 1.5% (+GST) on international spends, including foreign currency transactions done in INR
• Trip Cancellation Reimbursement: Reimbursement for cancelled flight/hotel bookings of up to ₹10,000, available twice during the policy period

To maximise reward earnings:

• Shop on your birthday to enjoy 10X reward points on all eligible spends
• Spend beyond ₹20,000 in a billing cycle to earn 10X reward points on the incremental amount
  
  
• For spends up to ₹20,000 in a billing cycle, enjoy 3X reward points
  
  
• Insurance and utility bill payments earn 1X reward point
  
  
• Hotel bookings via the IDFC FIRST Mobile App earn  50 bonus points per  ₹150 spent

• Flight booking via the IDFC FIRST Mobile App will earn 20 bonus points per ₹150 spent

Additionally, reward points never expire and can be redeemed across a wide variety of options—making your spends significantly more valuable.

CFAR stands for Cancel for Any Reason. It is a travel insurance benefit that covers the non-refundable portion of your flight and hotel bookings in case of cancellations. With the IDFC FIRST Wealth Credit Card, you are entitled to a reimbursement of up to ₹10,000, which can be shared between primary and add-on cardholders.

To avail this benefit:

• Make your travel booking using the IDFC FIRST Wealth Credit Card
• Ensure you meet the eligibility criteria and are within the policy coverage period
• File a claim by submitting the required documents and proof of cancellation

This benefit is valid for up to two claims per policy period, adding a layer of financial protection to your travel plans.

While the IDFC FIRST Wealth Credit Card does not directly offer complimentary airport Meet & Greet services, it provides discounted access to these services through the Visa Infinite platform. These discounts are available globally at over 450 airports. You can avail of this service multiple times a year at preferential rates, ensuring a seamless travel experience.

The IDFC FIRST Wealth Credit Card offers:

• 1 complimentary domestic lounge visit per quarter
• 1 complimentary international lounge visit per quarter

This totals up to 8 complimentary lounge visits annually (4 domestic + 4 international). These benefits can be accessed via the IDFC FIRST Mobile Banking App and elevate your airport experience with comfort, refreshments, and connectivity.

The IDFC FIRST Wealth Credit Card offers comprehensive travel insurance with coverage of up to USD 1,200, including:

• Loss of Checked-in Baggage: Up to USD 500
  
• Delay of Checked-in Baggage: USD 100
  
• Loss of Passport or Documents: USD 300
  
• Flight Delay Coverage: USD 300

To avail of complimentary golf benefits:

• Spend ₹20,000 or more in a statement cycle to unlock golf round or lesson​
• Use your card to book your game via the dedicated IDFC FIRST partner portal.
• You are entitled to 1 complimentary golf round/lesson per quarter at 20+ premier golf courses across India.