CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
32
#108 of 173 in credit
IDFC First Bank

IDFC First Wealth Credit Card

creditVisasignature

LTF wealth-tier card with low forex markup.

Score breakdown

Data completeness: 80% · Last verified: 06 Jul 2026

Reward value8/100 · weight 65%
≈ 0.40% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +3.1% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks47/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
Lifetime free
Waiver: Lifetime free
Forex markup
1.99%

Lounge access

Domestic (per year)
4
International (per year)
4

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.75%(3 pts @ ₹0.25)——
diningpoints0.75%(3 pts @ ₹0.25)——
all_spendspoints0.25%(1 pts @ ₹0.25)——