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Smart ways to maximise the FIRST Wealth Credit Card’s benefits
Key Takeaways
The FIRST Wealth Credit Card’s benefits combine premium lifestyle privileges with practical features like low forex markup and complimentary lounge access.
- Travel bookings made through the Travel & Shop section of the IDFC FIRST Bank Mobile Banking App earn bonus reward points, adding extra value to every trip.
- Everyday spending unlocks a milestone benefit, accelerating reward accumulation once a monthly spend threshold is crossed.
- Reward points never expire and can be redeemed flexibly for travel, vouchers, and lifestyle products, making them both versatile and rewarding.
A weekend escape, an evening at a five-star table, or a seamless airport check-in — moments like these define modern indulgence. And with the benefits of the FIRST Wealth Credit Card, each of these occasions isn’t just lived, but truly elevated.
From multiplying reward points on travel and shopping to unlocking exclusive lifestyle privileges, one card can turn everyday spending into curated experiences of refinement. Find out about how with this step-by-step guide to maximising the FIRST Wealth Credit Card’s benefits.
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Why choose the FIRST Wealth Credit Card
A premium card should feel like a passport to privileges. This is why the FIRST Wealth Credit Card’s benefits set the stage for luxury living while remaining deeply practical for frequent travellers and everyday spenders. Here’s how:
- Lifetime-free Visa Infinite status that brings global recognition without annual fees
- Curated lifestyle perks including golf rounds, fine dining, and Buy-One-Get-One (BOGO) movie offers
- Access to domestic, international, and even railway lounges for seamless travel
- Competitive 1.5% forex markup on international spends, keeping journeys cost-efficient.
Together, these FIRST Wealth Credit Card benefits create a foundation where convenience meets indulgence, making the card a natural companion for those who expect more.
Maximising reward points on travel bookings
For frequent flyers and leisure travellers, rewards should work as hard as the journeys themselves. With the right approach, the benefits of the FIRST Wealth Credit Card can turn every booking into a source of unmatched value.
Booking type |
Bonus points (per ₹150, via bank app) |
Total earned (per ₹150) |
|
Hotels |
10 |
50 |
60 |
Flights |
10 |
20 |
30 |
*Please note that the base points are applicable after crossing INR 20K monthly spends.
For example, here’s how many points you earn if you spend ₹6,000on hotels and flights booked via the Travel & Shop section of the IDFC FIRST Bank Mobile Banking App.
Booking type |
Total points earned |
Value at ₹0.25 per point |
Hotels |
2,400 points |
₹600 |
Flights |
1,200 points |
₹300 |
Total |
3,600 points |
₹900 |
- Reward points are credited by the 5th of the following month after travel or check-in
- Monthly cap: 8,000 bonus points
- Bonus applies only to hotel and flight bookings made through the Travel & Shop section of the app, not on bookings made directly with airlines, hotels, or third-party sites
By using the app’s Travel & Shop section strategically, you unlock accelerated earnings that make travel the fastest way to multiply your FIRST Wealth Credit Card reward points.
Everyday ways to earn more
The FIRST Wealth Credit Card’s benefits include a unique milestone bonus that accelerates your earnings once you spend beyond a set threshold each month. This makes everyday purchases just as rewarding as premium ones.
Spend category |
Earn rate (per ₹150) |
Notes |
General spends up to ₹20,000/month |
3 points |
Applies on the first ₹20,000 of monthly usage |
General spends above ₹20,000/month |
10 points |
Milestone benefit: higher earn rate kicks in only after crossing ₹20,000 |
Dining, shopping, international transactions |
3–10 points |
Rate depends on whether the spend is above or below the milestone |
Rent, government services, wallet reloads, education |
3 points |
Fixed earn rate regardless of spend level |
Insurance and utilities |
1 point |
Lower earn rate for these categories |
Example of monthly spends converting into points:
- ₹25,000 on shopping and dining earns 3 points/₹150 for the first ₹20,000 (400 points), plus 10 points/₹150 on the remaining ₹5,000 through the milestone benefit (333 points)
- ₹10,000 on insurance earns 67 points
- Total = 800 points, worth ₹200
Used strategically, this milestone-driven structure ensures that once you reach the threshold, every additional spend works harder, amplifying the FIRST Wealth Credit Card’s benefits.
Redeeming your reward points smartly
Earning points is only half the story — the real value lies in how you use them. One of the standout benefits of the FIRST Wealth Credit Card is that reward points never expire, giving you complete freedom to redeem at your own pace.
- Each point is worth ₹0.25, ensuring that accumulated rewards translate into meaningful savings
- Redemptions are available through the Travel & Shop section of the IDFC FIRST Bank Mobile Banking App, where you can book flights or hotels, or choose from vouchers and lifestyle products
- Up to 70% of the booking value can be paid using points, with the balance charged to your card
- fee of ₹99 + GST applies for each redemption
With points that never lapse and flexible redemption options, you can plan redemptions around big purchases or special occasions, making the FIRST Wealth Credit Card reward points as versatile as they are valuable.
Lifestyle and travel privileges to know
Beyond rewards, the FIRST Wealth Credit Card’s benefits extend into experiences that make life more comfortable and refined. These privileges turn ordinary moments into premium encounters, whether at home or abroad.
- Access to domestic, international, and railway lounges
- Complimentary golf rounds or lessons each month, available at premier courses
- BOGO movie offers twice a month through the District by Zomato app
- Comprehensive travel insurance and trip cancellation cover for added peace of mind
- Roadside assistance and curated partner discounts for convenience beyond travel.
Together, these FIRST Wealth Credit Card benefits create a package that balances indulgence with practicality, ensuring that every journey and experience feels elevated.
Why choose the FIRST Wealth Credit Card from IDFC FIRST Bank?
The FIRST Wealth Credit Card’s benefits bring together premium privileges, milestone-driven rewards, and flexible redemption, offering more than just transactional value. This is a card that keeps everyday life as rewarding as exclusive moments of travel and leisure.
Some of its standout features include:
- No annual fee for life, giving you premium status without recurring costs
- Visa Infinite benefit, which brings exclusive global privileges and recognition
- Accelerated reward points that never expire on travel and lifestyle spends
- Travel & Shop section bookings (hotels/flights) on the app get bonus points to boost your rewards further
- Complimentary access to domestic, international, and railway lounges for a more comfortable travel experience.
- Buy‑One‑Get‑One offers on movies via partner apps, adding extra savings
- Complimentary golf rounds or lessons at select courses, blending leisure with lifestyle
- Comprehensive travel insurance and trip cancellation cover to protect you on your journeys
- Competitive foreign exchange markup (low rate), making international spending more cost‑efficient
- A trusted banking partner in IDFC FIRST Bank, which has been ranked amongst the World’s Best Banks 2025 by Forbes and Statista
By maximising benefits like accelerated points and lifestyle perks, you’ll see how one card can deliver both elegance and practicality. The result is a lifetime-free companion that grows in value the more you use it.
Explore the features of the FIRST Wealth Credit Card today and start experiencing rewards designed around your lifestyle.
Frequently Asked Questions
What is the eligibility for the FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card is designed for high-income customers, with an eligibility requirement of at least ₹36 lakh annual income. Applicants must also meet standard credit score and documentation checks before approval.
What are the joining benefits of the FIRST Wealth Credit Card?
New cardholders enjoy a ₹500 gift voucher from top brands on spending ₹5,000 within 30 days of card issuance. Additionally, there’s a cashback reward of up to ₹1,000 on your first EMI transaction, making the start especially rewarding.
Do FIRST Wealth Credit Card reward points expire?
No, reward points never expire as long as your card account remains active. This allows you to accumulate points over time and redeem them at your convenience for travel bookings, vouchers, or lifestyle products, without the pressure of losing unused points.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.
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