IDFC FIRST Wealth Credit Card

by IDFC FIRST Bank · Updated October 2026

A lifetime free premium card with domestic and international lounges and a low forex markup.

Best for Free premium card · Lifetime free premium

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You'll apply on the official IDFC FIRST Bank page. We never ask for your details.

Joining feeFree

Annual feeFree

Fee waiverNot needed

Lounge accessDomestic + international (spend-based)

UPINo

Key benefits

Up to 10X non-expiring reward points

Domestic and international lounge access (spend-based)

Low 1.5% forex markup

Golf and concierge benefits

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping1.5%

Groceries1.5%

Food delivery & dining1.5%

Travel & flights1.5%

Everything else1.5%

Bills & recharges0.5%

Fuel–

UPI scan & pay–

Pros

Premium perks with no fee
Low forex markup
International lounges

Cons

Usually for higher-income customers
Lounges need spend
Best rate needs high monthly spend

Is the IDFC FIRST Wealth Credit Card worth it?

The IDFC FIRST Wealth Credit Card is worth it if you spend a lot on online shopping (1.5%) and groceries (1.5%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if usually for higher-income customers.

Featured in: Best Credit Cards for International Travel (Zero Forex)

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Regular income; the bank sets the minimum

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

Tap "Apply now"You'll be taken to the official IDFC FIRST Bank application page.
Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.

Apply now