IDFC FIRST Wealth Credit Card Review

The Wealth Credit Card provided by the IDFC FIRST Bank is a premium card and offers many exclusive benefits, such as travel and lifestyle privileges. Besides, the Wealth Credit Card provides to the clients unlimited reward points, all with no annual nor joining fee!

To know more about it, keep reading!

Features and Benefits

The IDFC FIRST Wealth Credit Card comes with the following features and benefits:

  • Joining Benefits,
  • Movie, online and dining discounts,
  • Premium Benefits,
  • VISA Offers,
  • Insurance and Road Assistance,
  • Instant EMI Conversions,
  • Low Forex Markup Fee,
  • Golf Access,
  • Fuel Surcharge Waiver.

Joining Benefits

By getting this card, you enjoy a voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation and 5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation.

Movie, online and dining discounts

With this benefit, you buy one and get one offer on movie tickets up to ₹500 on Paytm mobile app (valid twice per month). Besides, you can get access to 300+ Merchant offers, all year long, and up to 20% discount at 1500+ restaurants. You can also enjoy up to 15% discount at 3000+ Health & Wellness outlets.

Premium Benefits

Get 4 complimentary Domestic & International airport lounge, spa visits per quarter. You can also enjoy 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spend.

VISA Offers

The VISA Offers include:

  • Airport Meet & Greet: get discounts on Airport Fast Track immigration service at over 450 destinations worldwide.
  • Airport Transfers: enjoy lucrative discounts on Airport transfer limousine service in over 3000 cities across 83 countries.
  • Concierge: this service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities.
  • Luxury Hotel Collection: get access to over 900 luxury hotels around the world with premium benefits  such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others.

Insurance and Road Assistance

Get access to:

  • A complimentary Roadside Assistance worth ₹1,399,
  • Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹400/month,
  • An Air Accident Cover of ₹1 crore,
  • A Personal Accident Cover of ₹10,00,000 and Lost Card Liability Cover of ₹50,000,
  • Travel Insurance Cover of USD 1200.

Instant EMI Conversions

  • Convert all transactions* above ₹2,500 into EMIs on your mobile app,
  • Enjoy an instant EMI conversion for all online transactions above ₹2,500 on the bank’s OTP page.

Fees and Taxes

Joining FeeNIL
Annual FeeNIL
Interest on Cash AdvancesFrom 0.75% to 2.99% per month | 9% to 35.88% per year
FX Markup1.5%
Late Payment FeeLess than Rs. 100 = NILRs. 500 = Rs. 100Rs. 5,000 = Rs. 750Rs. 8,000 = Rs. 1,250Rs. 10,000 and more = Rs. 1,250
Cash Advance FeeRs. 250 (International and Domestic)
Reward Redemption FeeNIL
Over-limit Fee2.5% of the over-limit amount

Eligibility Criteria

If you want to get this card, you must be a customer of the IDFC First Bank.

To know more and apply, click here!