CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Wealth Credit Card

32
Ranked #78 of 170 in credit
creditVisa Infinite (metal)Premium

IDFC FIRST flagship lifetime-free metal Visa Infinite card for high earners (Rs 36L+/year), combining a rare rewards breadth (including normally-excluded categories) with low forex markup and golf/lounge perks — recently improved base reward accessibility but also devalued point validity from unlimited to 24 months (effective 18 June 2026).

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value10/100 · weight 71%
≈ 0.51% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.3% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks69/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Lifetime free — no joining/annual fee; separate RuPay UPI-linkable variant available at Rs 199/year
Forex markup
1.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
international_spendspoints1.25%(5 pts @ ₹0.25)—10X points per Rs 200 on dining/travel/international, from first transaction, no minimum spend (effective 18 June 2026)
online_spendspoints0.75%(3 pts @ ₹0.25)——
diningpoints0.75%(3 pts @ ₹0.25)——
all_spendspoints0.38%(1.5 pts @ ₹0.25)—3X points per Rs 200 on other spends (UPI above Rs 2,000)
utilitiespoints0.13%(0.5 pts @ ₹0.25)—1X points per Rs 200 on insurance/utilities/railway/FASTag/small UPI

Welcome offer

Rs 500 gift voucher on Rs 5,000-15,000 spend (sources conflict on threshold) within 30-90 days; 5% cashback up to Rs 1,000 on first EMI transaction

Milestone benefits

Pros

  • Genuinely lifetime free premium metal Visa Infinite card, low 1.5% forex markup, 10X rewards now apply from first transaction with no spend threshold (positive 2026 change), rewards on typically-excluded categories (rent, education, wallet load, utilities, insurance — rare breadth), golf access, discounted airport immigration services (450+ destinations) and limousine transfers (3,000+ cities), 4 railway lounge visits/quarter unconditional

Cons

  • FLAG — CONFIRMED DEVALUATION: reward points switched from never-expiring to 24-month validity effective 18 June 2026 — significant change from what most marketing/aggregator content still describes
  • extremely high Rs 36 lakh/year income bar limits accessibility
  • lounge/golf access still gated on Rs 20,000 monthly spend despite the improved base reward structure
  • 1% surcharge on utility bills above Rs 20,000/billing cycle

What's inside

More benefits

  • Golf program

    ₹3,000

    Up to 2 complimentary golf rounds/lessons per month, 1 per Rs 20,000 monthly spend

    Cap ₹72,000 / monthly. Rs 20,000-40,000 monthly spend gates 1-2 rounds

  • BOGO movie tickets

    ₹250

    Up to 2 complimentary tickets/month via District app, up to Rs 250-500 off (sources vary)

    Cap ₹6,000 / monthly. Rs 20,000 spend in current month

  • Airport immigration and limousine discounts

    Discounts on airport immigration services (450+ destinations) and limousine airport transfers (3,000+ cities)

  • Luxury hotel access

    Access to 900+ luxury hotels worldwide with automatic room upgrades and complimentary in-room WiFi

  • Air accident insurance

    ₹1,00,00,000

    Rs 1 crore air accident cover

    yearly.

  • Roadside assistance

    ₹1,399

    Complimentary roadside assistance worth Rs 1,399, up to 4x/year

    Cap ₹5,596 / quarterly.

Insurance cover

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₹NaN

Eligibility

text
FLAG — income eligibility very high and consistent across sources: Rs 36 lakh/year (or Rs 3 lakh/month) — significantly higher than IDFC First Select (Rs 12L) despite both being lifetime-free; age 21-65

Small print

Fuel surcharge:1% fuel surcharge waiver up to Rs 400/month, transactions Rs 200-5,000