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

IDFC First Wealth Debit Card

40
Ranked #7 of 66 in debit
debitVisaUltra-Premium

IDFC First Bank's ultra-premium Wealth debit card for high-net-worth Wealth Program members, offering companion-inclusive lounge access and very high transaction limits at zero cost.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value22/100 · weight 71%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks66/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Genuinely lifetime free, curated for IDFC First Wealth Program members
Forex markup
2%

Lounge access

Domestic (per year)
12
International (per year)
0

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

Welcome offer

None specified

Milestone benefits

Pros

  • Very high transaction limits (Rs7L ATM, Rs12L purchase)
  • companion lounge access included (rare for a debit card)
  • genuinely free for qualifying Wealth Program members

Cons

  • Requires Rs50 Lakh+ NRV wealth relationship — not independently obtainable
  • Rs2 access fee per lounge visit despite "complimentary" framing

What's inside

More benefits

  • 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.

  • Complimentary Golf

    ₹5,000

    Complimentary golf rounds and coaching sessions at partner courses

    yearly.

  • 24x7 Roadside Assistance

    ₹1,500

    Complimentary roadside assistance across India

    yearly.

  • Visa Infinite Concierge

    ₹1,000

    24x7 Visa Infinite concierge for travel, dining and lifestyle

    yearly.

  • Visa Infinite Dining & Lifestyle Offers

    ₹1,500

    Curated dining and lifestyle offers via Visa Infinite

    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.

  • 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.

Insurance cover

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₹NaN

Eligibility

text
Requires IDFC First Wealth Program membership (minimum NRV in deposit range of Rs50 Lakhs)

Small print

Fuel surcharge:Not a highlighted benefit