FIRST Wealth

Joining ₹0 · Annual ₹0 · Lifetime free. But see the UPI note: linking to UPI needs a paid add-on RuPay card, so this is 'lifetime free unless you want UPI'.

Earns Reward Points · assumed 0.25 ₹/point. 1 Reward Point = ₹0.25, stated explicitly in IDFC's own FIRST Wealth Reward Program T&C. Points are 'pay with points' against any online purchase or via firstrewards.in with no catalogue restriction, so ₹0.25 is the realistic value. ₹99 + GST per redemption transaction, so small redemptions lose heavily. Points accrue per ₹200 slab and any transaction under ₹200 earns nothing. Points now expire 24 months from credit. No Reward Points at all for a billing cycle in which the Minimum Amount Due is not paid by the due date (effective 18 Jan 2026), with already-posted points reversed. Accrual is capped at the credit limit per billing cycle. Redeeming points for app travel bookings is capped at 1,00,000 points per calendar month and 2,00,000 per calendar year, and points can cover at most 70% of a booking.

Verified 10 Aug 2026

Forex markup1.5%

Golf1 complimentary golf round or lesson per quarter at 20+ Indian courses, via Golftripz / Truztee (idfcfirst.truztee.com). Unlocked by spending ₹20,000 in the current statement cycle, which activates the benefit from the 1st of the next month. Each benefit expires 60 days after it appears in the online golf account. A ₹2 card-validation charge applies on the booking request, and clubs may enforce handicap requirements.

Concierge24x7 personalised concierge assistance, marketed by IDFC as 'Personalised concierge at your fingertips' and underpinned by Visa Infinite concierge. No published usage cap or fee.

EMI₹99 or 1% of the transaction, whichever is higher, plus GST processing fee · A converted purchase stops earning rewards · ₹99 or 1% of the purchase, whichever is larger, so a ₹50,000 conversion costs ₹500 rather than ₹99. There is also a pre EMI interest charge covering the days between converting and your next statement, and a merchant no cost offer does not waive it. Pre closing costs 3% plus GST of the principal left. · Transactions converted to EMI earn no Reward Points and forfeit app travel Bonus Reward Points.

Fuel surcharge1% on fuel transactions of ₹200 to ₹5,000, capped at ₹300 per statement cycle. GST on the surcharge is not reversed.

Domestic lounge4 a year. 1 complimentary visit per quarter to participating lounges at Indian airport terminals, both domestic and international terminals within India. Accessed by presenting the FIRST Wealth card. Spend-gated: ₹20,000 of spend between the 1st and last day of a calendar month unlocks access in the following month (monthly qualification for a quarterly allowance, not a quarterly spend test). EMI instalments, fees, charges and GST do not count but cash withdrawals do. Unused visits can be used later in the same quarter but do not carry into the next quarter.

International lounge4 a year. 1 complimentary visit per quarter to lounges at select global airport terminals. Accessed with the DreamFolks card, not the credit card itself, and some global lounges require advance booking. Same ₹20,000 previous-calendar-month spend gate. Visits do not carry beyond the quarter.

Milestones

◆ Spend ₹20,000 per month → Buy-1-Get-1 movie ticket on the District by Zomato app (promo code IDFCCCFW1), up to ₹250 off the second ticket, usable twice per calendar month Worth ₹500

Return by category

Category	Return	Notes
Online spend	0.38%	Base rate
Amazon	0.38%	Base rate
Flipkart	0.38%	Base rate
Subscriptions & OTT	0.38%	Base rate
Offline spend	0.38%	Base rate
UPI spending	0.38%	No stated UPI cap · 3X = 0.375% on UPI transactions ABOVE ₹2,000. Only 1X = 0.125% on UPI transactions of ₹2,000 or less (the threshold is per transaction, not cumulative). Utilities, insurance, railway and FASTag via UPI stay at 1X. Requires an add-on FIRST Digital RuPay Credit Card linked to the Wealth card at ₹199 + GST joining and ₹199 + GST annual from year two. The only paid element of an otherwise lifetime-free card. Limited-period 100% cashback up to ₹200 (₹50 each on the first four UPI transactions). UPI spend does not count toward the welcome-benefit spend criterion.
Dining	1.25%	No category cap. Overall accrual capped at credit limit per billing cycle · 10X = 10 RP per ₹200. MCC 5812, 5813, 5814, including food delivery.
Swiggy	1.25%	Uses its dining rate
Zomato	1.25%	Uses its dining rate
Groceries	0.38%	Base rate
Quick commerce	0.38%	Base rate
Swiggy Instamart	0.38%	Base rate
Blinkit	0.38%	Base rate
BigBasket	0.38%	Base rate
Movies & shows	0.38%	Base rate
BookMyShow	0.38%	Base rate
PVR INOX	0.38%	Base rate
Fuel	0%	Zero Reward Points on fuel (MCC 5172, 5541, 5542, 5983). Plus a 1% fee + GST on the entire cycle fuel total if fuel spend exceeds ₹30,000 in a statement cycle. The 1% fuel surcharge waiver still applies separately.
Travel (general)	1.25%	No category cap · 10X. MCC 3000-3350, 3501-3853, 7011, 4511, 4722, 4723. From the first transaction, no threshold, effective 18 Jun 2026.
Flights	3.75%	8,000 bonus Reward Points per calendar month (≈₹2,000 of value, reached at about ₹80,000 of flight bookings) · Only via the Travel & Shop / FIRST Rewards Gallery section of the IDFC FIRST Bank mobile app: 5% base points (10X) + 10% bonus points = up to 15% in points = 3.75% value. Flights booked elsewhere earn the plain 10X travel rate of 1.25%. No bonus on EMI or Cash+Points bookings. Credited by the 5th of the month after travel.
Hotels	6.25%	8,000 bonus Reward Points per calendar month (≈₹2,000 of value, reached at about ₹40,000 of hotel bookings) · Only via the IDFC FIRST Bank mobile app: 5% base points (10X) + 20% bonus points = up to 25% in points = 6.25% value. This is the card's single best rate and the basis of IDFC's 'up to 25% reward points' marketing. Hotels booked elsewhere earn 1.25%. No bonus on EMI or Cash+Points bookings. Credited by the 5th of the month after check-in.
MakeMyTrip	1.25%	Uses its travel rate
IRCTC rail	1.25%	Uses its travel rate
International	−0.25%	1.25% reward − 1.5% forex markup
Utilities & bills	0.13%	1X only = 0.125%. MCC 4814, 4816, 4899, 4900. If total utility spend in a statement cycle exceeds ₹20,000, a 1% fee + GST applies to the ENTIRE cycle utility total, not just the excess. Net negative above the threshold.
Rent	0.38%	Rent EARNS the base 3X = 0.375% (older documentation and much of the secondary web wrongly says rent earns nothing), but MCC 6513 attracts a Rent and Property Management Fee of 1% of transaction value subject to a minimum of ₹249 per transaction plus GST, on every domestic rent payment with no free threshold. Net return is firmly negative.
Education fees	0.38%	Base 3X = 0.375%. A 1% fee with a minimum of ₹249 per transaction plus GST applies to education spends made through third-party apps (MCC 8299, 8211, 8241, 8244, 8249, 8220). Paid directly to the institution there is no such fee.
Insurance premiums	0.13%	1X only = 0.125% on insurance premium payments. No IDFC percentage fee on this category.
Government & tax	0.38%	Base rate
Wallet loads	0.38%	Wallet and prepaid loads earn the full base 3X = 0.375% and carry NO IDFC percentage fee. There is no wallet-load fee in the current Schedule of Charges. Excluded from welcome-benefit qualifying spend.
Anything else	0.38%	Base rate
Jewellery	0.38%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome benefit: ₹500 gift voucher from a choice of brands on spending ₹5,000 within 30 days of card generation (primary card only. UPI, add-on spend, wallet loads, EMI-converted transactions and ATM withdrawals excluded). Redeem within 90 days of the SMS/email.
Welcome benefit: 5% cashback up to ₹1,000 on the first EMI transaction converted within 30 days of card generation.
CFAR (Cancel For Any Reason) cover: up to ₹10,000 per policy period on the non-refundable portion of flight and hotel bookings, maximum two claims per policy year, shared with add-on cardholders. Requires at least one transaction in the calendar month preceding the policy period start. The cover cannot be enhanced and both booking and cancellation must fall inside the policy period.
4 complimentary railway lounge visits per quarter at participating Indian railway terminals, shared with add-on cards, on the same ₹20,000 previous-calendar-month spend gate. One guest permitted per complimentary visit.
Insurance via New India Assurance: air accident cover ₹1 crore, personal accident cover ₹10 lakh (double the Select's ₹5 lakh), lost card liability ₹50,000. All requiring at least one transaction in the preceding 30 days. Travel insurance up to USD 1,200 in total: loss of checked-in baggage USD 500, delay of checked-in baggage USD 100, loss of passport and documents USD 300, flight delay USD 300. Also purchase protection (60 days) and credit shield.
24/7 roadside assistance worth ₹1,399, up to 4 times a year.
Visa Infinite NETWORK privileges rather than IDFC-funded ones, and worth separating: Stay-for-3-Pay-for-2 or 50% off the second night at ITC Hotels (promo ITCVIS / ITCV50) and at Elivaas. One complimentary airport meet-and-greet per year but only after USD 1,000 of international point-of-sale spend in the preceding 12 months. Discounted fast-track immigration at 450+ destinations. Discounted airport limousine transfers in 3,000+ cities. Visa Infinite dining via dinewithvisa.co.in. Benefits at 900+ luxury hotels. Visa may change or withdraw these without notice.
IDFC advertised 'Reward Points that never expire, unlike the industry practice of 1-3 years' in its own January 2026 letter, then introduced a 24-month expiry five months later. Its website footer still links 'Never Expiring Reward Credit cards', which is now false for this card.
Birthday spend also earns 10X per IDFC's live product page. But neither 18 Jun 2026 customer letter mentions birthday spend, so this rests on product-page copy rather than a dated T&C. Treat as the weakest claim on this card.
ATM cash withdrawals interest-free for up to 45 days if repaid by the due date. ₹199 + GST per withdrawal. Reward redemption fee ₹99 + GST per redemption transaction.
Bank-wide charges: late payment 15% of the previous statement's total amount due less payments received, minimum ₹100 and maximum ₹1,300. Over-limit 2.5% of the over-limit amount, minimum ₹550. Payment return 2% of the payment amount, minimum ₹500. Card replacement ₹199. Purchase APR 3.99% per month / 47.88% per annum, dropping to 46.2% per annum once the Minimum Amount Due is paid. Published range 8.5% to 46.2%.
Minimum Amount Due = EMI + interest + fees, other charges and taxes + any over-limit amount + 2% of the principal outstanding, unchanged since statements generated on or after 1 September 2024. There is NO 2026 change to this formula. If total amount due is under ₹100, MAD equals the total.
Still open to new applicants as of 10 August 2026. Stated eligibility is annual income of ₹36 lakh or more. Issued as a Visa Infinite card. Add-on cards ₹499 + GST each.

Other exclusions

Transactions converted to EMI earn no Reward Points and forfeit app travel Bonus Reward Points.
Cash withdrawals earn no Reward Points (₹199 + GST per withdrawal, interest-free up to 45 days if repaid by the due date). Though unusually they DO count toward the ₹20,000 monthly spend gate for lounge, railway lounge, golf and movie benefits. Loan on Card (Quick Cash / Quick Cash Max) and Balance Transfer also earn nothing. Fees, charges and their GST earn nothing, transactions below ₹200 earn nothing, and no points accrue for any billing cycle where the Minimum Amount Due is unpaid by the due date.

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.