Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IDFC FIRST Bank Wealth Credit Card

    The IDFC FIRST Bank Wealth Credit Card offers up to 10X reward points. It comes with 1.5% Forex Markup, complimentary access to airport lounges and select spas, travel insurance, accident cover privileges, and other benefits. You are also allowed interest-free cash withdrawals for up to 48 days. The interest rate for the credit card ranges between 0.75% and 2.99% per month.

    Key Highlights of the IDFC FIRST Bank Wealth Credit Card

    • Avail 10X reward points on all spends above Rs.20,000
    • 10X reward points on all spends done on your birthday
    • For all online spends earn 6X reward points
    • For all offline spends earn 3X reward points
    • Earn 1X reward point for every Rs.100 spent

    Benefits and Privileges of IDFC FIRST Bank Wealth Credit Card

    Joining Benefits

    • You get gift vouchers of Rs.500 for spending Rs.15,000 within 90 days of card set-up
    • 5% cashback is offered on first EMI transaction if performed within 90 days of card set-up

    Super Privileges

    • Waiver of fuel surcharge up to Rs.400 every month at all fuel stations
    • Free Road Side Assistance (RSA) worth Rs.1,399
    • Complimentary golf rounds
    • 1+1 offer on movie tickets of up to Rs.500, twice in a month
    • 50+ in app discount offers can be availed
    • Avail 20% discount on 1500+ restaurants
    • Avail up to 15% discount on 3000+ health and wellness outlets

    Other Privileges

    • For every calendar quarter, enjoy 4 complimentary domestic and international airport lounge and spa visits as well as 4 railway lounge visits.
    • Get personal accident cover of Rs.10 lakh (to avail, you need to carry out at least 1 transaction in the previous month)
    • Get air accident cover of Rs.1 crore (to avail, you need to carry out at least 1 transaction in the previous month)
    • Get comprehensive travel insurance cover worth $1200
    • Get complimentary lost card liability cover of Rs.50,000

    Fees and Charges of IDFC FIRST Bank Wealth Credit Card

    Type of Charge Amount
    Joining fee NIL
    Over limit fee NIL
    Reward redemption fee NIL
    Credit Card Interest Rate 0.75% to 2.99% per month
    Foreign exchange markup 1.5%
    Late payment fee 15% of total amount due
    Domestic and International cash advance fee Rs.250

    Documents Required to Apply for IDFC FIRST Bank Wealth Credit Card

    You will need to submit the documents listed below in order to avail the IDFC FIRST Wealth Credit Card:

    Identity Proof
    • Aadhaar Card
    • Passport
    • Driving License
    Address Proof
    • Passport
    • Voter ID
    • Aadhaar Card
    • Ration Card
    Income Proof
    • Salary Slip
    • IT Returns
    • Form 16

    FAQs on IDFC FIRST Wealth Credit Card

    1. Do the reward points accrued on the IDFC FIRST Wealth credit card have an expiry date?

      There is no expiry date for the reward points accrued on your credit card. You can redeem the points whenever you want to.

    2. What is the minimum and maximum amount that can be charged as late payment fee?

      While 15 percent of the total amount due on the card is charged as late payment fee, it is subject to a minimum of Rs.100 and a maximum of Rs.1,000.

    3. Is reward point earning and 10X threshold applicable on fuel spends?

      No, it is not applicable on fuel spends. For fuel spends, you can avail waiver of fuel surcharge up to Rs.400 every month.

    4. Under comprehensive travel insurance cover, how much can I get for loss for check-in baggage?

      Under that coverage, you are liable to get $500.

    5. What comes under the ambit of comprehensive travel insurance cover?

      Under the comprehensive travel insurance cover, you can stake a claim for loss of check-in baggage, passport and other documents. It also covers delay in delivery of check-in baggage and flights delays.

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