IDFC Bank First Wealth Credit Card Eligibility Criteria And Features

IDFC Bank First Wealth Credit Card Eligibility Criteria And Features
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Introduction :

The powerhouse that is the IDFC Bank First Wealth Credit Card redefines how people view wealth management. Our goal is to not only educate you as we delve into the finer points of this credit card, but also to arm you with knowledge that goes beyond the norm.

Features :

  1. Class-leading Forex markup of just 1.5%
  2. Entry to domestic and international airport spas and lounges
  3. Entire trip insurance and coverage for aviation accidents
  4. Cash withdrawals without interest*, anywhere in the world
  5. Using your mobile app, convert all transactions* over ₹2,500 into simple and handy EMIs.
  6. On the bank’s OTP page, get instant EMI conversion for all online transactions* over ₹2,500.
  7. With our balance transfer privilege*, take advantage of the easy way to move balances from other bank credit cards.

Charges :

  • Annual Fee – nil
  • Over Limit Charges – 2.5% of the over limit amount ( subjected to a minimum of 500/- )
  • Late payment fees – 15% of the total amount due ( subjected to a min of 100/- and max of 1250/- )
  • ( APR ) low intrest rates – 0.75% to 3.5% per month ( 9% to 42% per annum )
  • Forex Markup – 1.5%
  • Cash Advance fee – 199/- +GST

Insurance and Road Assistance:

  • Free Roadside Assistance valued at ₹1,399
  • Up to ₹400 per month, all fuel stations in India will waive the 1% fuel surcharge.
  • *On transactions valued between ₹200 and ₹5000 only.
  • ₹1 crore* in air accident coverage
  • ₹50,000 in lost card liability coverage and ₹10,000,000 in personal accident coverage
  • Complete Travel Insurance Protection Up to $1200

Eligibility Criteria :

  1. You must be at least eighteen years old.
  2. You have to be either an Indian resident or a non-resident Indian.
  3. You must make a minimum of ₹36 lakhs a year.

Reward points :

  • 10X Reward Points are awarded for additional purchases made on your birthday and for amounts over ₹30,000 each month.
  • Up to ₹30,000 in monthly spends can earn 6X and 3X Reward Points on online and offline purchases, respectively.
  • Points for rewards that never run out
  • To quickly pay for purchases made online or in-store, use your reward points.

Benefits :

  • Joining Benefits
    • After 30 days of the card’s creation, spend ₹ 5000 or more to receive a welcome voucher* worth ₹ 500.
      • *When spending ₹ 15,000 or more within 90 days of the card’s creation, welcome vouchers worth ₹ 500 will be given for cards issued before October 9th, 23.
    • 5% cashback on the first EMI transaction amount made within 30 days of card creation, up to ₹1000.
      • Customers who have upgraded from one IDFC FIRST Bank Credit Card variant to another are not eligible for this offer.
  • Dining and Movie
    • Buy one, get one free movie ticket offer on the Paytm mobile app, valid twice a month, up to ₹500.
    • 300+ merchant deals available year-round! | Up to 15% off at 3000+ health and wellness stores | Up to 20% off at 1500+restaurants
  • Premium Benefits
    • Four complimentary trips per quarter to the domestic and international airport lounges, with a minimum monthly spend of Rs. 5,000 *
    • For every ₹20,000 in monthly statement expenditures, you will receive two complimentary golf rounds each month.
    • Insurance with cancellation for any reason (CFAR): For cancelled hotel and flight reservations, there will be cancellation coverage for up to two claims totaling INR 10,000.

Visa Offers :

  • Enjoy savings on Airport Fast Track immigration services at more than 450 locations across the globe with Airport Meet & Greet.
  • Airport Transfers: Enjoy generous savings on limousine services for airport transfers in more than 3000 cities across 83 nations.
  • Concierge: With the help of this service, you can self-book your meals, travel, lodging, and activities in a sleek, customized manner.
  • Access to more than 900 opulent hotels worldwide through the Luxury Hotel Collection, offering first-rate perks like complimentary in-room Wi-Fi, free continental breakfast, automatic room upgrades upon arrival, VIP guest status, and requestable 3 PM check-out times.

How To Apply :

Apply through our website APPLY NOW


  1. Instantaneous issuance of a new digital card
  2. connected to and sharing a limit with your current credit card
  3. ₹199 for the joining fee and ₹199 for the annual fee (from the second year onwards)
  4. Limited Time Offer: 100% cashback on the first four UPI transactions, up to ₹200, or ₹50 each.
  5. 3 times the reward points for every UPI transaction

Documents Required : 

1. Identity Proof: Valid government-issued ID card.
2. Address Proof: Utility bills or any document verifying the applicant’s address.
3. Income Proof: Salary slips, income tax returns, or other documents validating financial capacity.

Conclusion :

In summary, the IDFC Bank First Wealth Credit Card redefines the standards for financial excellence and becomes an enormous force in the premium credit card market. This credit card is set to take your financial journey to new heights with its unrivaled rewards program, customized lifestyle benefits, strong security features, and dedication to financial empowerment. With the IDFC Bank First Wealth Credit Card, you can discover endless opportunities where financial skill and luxury collide.

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