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.
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#9 of 70 in debit
IDFC First Bank

IDFC First Wealth Debit Card

debitVisasuper-premium

Elite bracket debit access securing global assistance programs and golf passes.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value22/100 · weight 65%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, wallet_load, fuel, insurance. Reward score is scaled by ×(1 − 1.4%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency100/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks80/100 · 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: Complimentary for eligible FIRST Wealth customers
Forex markup
2%

Lounge access

Domestic (per year)
12
International (per year)
8

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
all_spendspoints1.00%(4 pts @ ₹0.25)—4 FIRST Reward Points per ₹100 on eligible POS & online spends above ₹50,000 in a calendar month (no rewards on first ₹50,000 monthly spend). Effective rate ~1% post-threshold.
fuelpoints0.00%(0 pts @ ₹0.25)—No rewards on fuel
wallet_loadpoints0.00%(0 pts @ ₹0.25)—No rewards on wallet loads / quasi-cash
insurancepoints0.00%(0 pts @ ₹0.25)—No rewards on insurance MCCs

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

insurancewallet loadsquasi-cashfinancial servicessecurities transactionsfuelNo reward points on first ₹50,000 monthly spend

What's inside

Travel privileges

  • Domestic Airport Lounge Access

    3 complimentary visits per quarter for cardholder plus 3 companion visits per quarter

    quarterly.

  • International Airport Lounge Access

    2 complimentary visits per quarter for cardholder (Visa Infinite)

    quarterly.

  • Trip Cancellation Cover

    ₹1,000

    Trip cancellation cover up to ₹1 lakh

    yearly.

  • Overseas Travel Insurance

    ₹2,000

    Travel insurance up to US$10,000 (subject to T&Cs)

    yearly.

Lifestyle

  • Complimentary Golf

    ₹5,000

    Complimentary golf rounds and coaching sessions at partner courses

    yearly.

  • Visa Infinite Dining & Lifestyle Offers

    ₹1,500

    Curated dining and lifestyle offers via Visa Infinite

    yearly.

Security & care

  • 24x7 Roadside Assistance

    ₹1,500

    Complimentary roadside assistance across India

    yearly.

  • Personal Accident Insurance

    ₹2,000

    Personal Accident cover up to ₹1 Crore

    yearly.

  • Air Accident Insurance

    ₹1,500

    Air Accident cover up to ₹2.5 Crore

    yearly.

  • Lost Card Liability

    ₹1,000

    Lost Card Liability cover up to ₹12 lakh

    yearly.

  • Purchase Protection

    ₹800

    Purchase Protection cover up to ₹1 lakh

    yearly.

  • Digital Fraud / Identity Theft Cover

    ₹1,200

    Digital fraud and identity theft cover up to ₹3 lakh

    yearly.

Concierge & support

  • Visa Infinite Concierge

    ₹1,000

    24x7 Visa Infinite concierge for travel, dining and lifestyle

    yearly.