📝 TL;DR: The IDFC FIRST Wealth Credit Card is a lifetime-free, premium lifestyle card that packs value through unlimited domestic & international lounge access, low forex markup, and generous reward points on all spends. With no annual fee and compelling travel & dining perks, it’s a top-tier choice for savvy spenders seeking elite benefits without recurring charges.
In this IDFC FIRST Wealth Credit Card review, we dive into how this card delivers top-shelf benefits without any joining or annual fees. From unlimited lounge access and concierge support to wellness offers and accelerated rewards, it’s designed for frequent travellers and affluent professionals who don’t want to pay a premium for premium features.
✈️ Personally, I’ve used it for both domestic and international airport lounges during layovers, and the experience has been seamless — no charges, no surprises. If you want a truly free card that doesn’t cut corners on perks, this one stands tall among premium contenders.
📊 Reward Snapshot (Monthly Example):| Spend Category | Monthly Spend | Reward Points Earned |
|---|---|---|
| Online Shopping | ₹40,000 | 2,400 points (6x) |
| Dining & Travel | ₹30,000 | 1,800 points (6x) |
| Utility Bills & Others | ₹20,000 | 800 points (4x) |
| Total Monthly Reward Value (at ₹0.25/pt) | ₹1,750 | |
Yes — especially if you travel often and want complimentary lounge access without paying steep annual fees. The unlimited domestic and international lounge visits (with Dreamfolks), combined with low 1.5% forex markup and travel insurance, make it a fantastic no-cost travel companion. I’ve found the complimentary airport spa access a real stress-buster during layovers.
💡 Key Benefits:To wrap it up, the IDFC FIRST Wealth Credit Card is a rare gem — combining elite perks with zero annual cost. If you’re looking for a no-compromise lifestyle credit card with lounge access, rewards, wellness, and global assistance, without paying a premium — this card is a top pick. In my experience, it outperforms several ₹10,000+ fee cards on overall value.
🔗 Official Source: IDFC FIRST Bank – Wealth Credit Card
🎙️ Voice Search Tip: Ask: “Is IDFC FIRST Wealth Credit Card worth it?” → Yes, especially if you want premium travel and lifestyle perks without paying annual fees. You get unlimited lounge + spa access, 6x reward points, and a concierge — all without spending a rupee on joining charges. I’ve used this card for complimentary lounge entry at Mumbai and Dubai airports — the value I received as a lifetime-free user easily matches what most ₹10K-fee cards offer.
📝 TL;DR: The IDFC FIRST Wealth Credit Card delivers elite travel, lifestyle, and wellness benefits without any joining or annual fee. From unlimited lounge + spa access to 6x reward points on key categories, it offers unmatched value among India’s lifetime-free premium cards — especially for frequent flyers and digital-first users.
💬 I’ve used this card for 6+ international lounge visits this year — completely free and with no surprises. The concierge team even helped book a last-minute hotel in Bangkok using reward points. For a lifetime-free card, the features are genuinely on par with ₹10K+ fee cards.
🗣️ “The only lifetime-free premium card in India offering spa access, international lounges, and concierge support.” – FinTech Pulse India (2025)
| Total Amount Due | Late Fee |
|---|---|
| Up to ₹100 | ₹100 |
| ₹101 – ₹500 | ₹250 |
| ₹501 – ₹5,000 | ₹500 |
| Above ₹5,000 | ₹750 |
✅ Want unlimited lounges, spa perks, and 6x rewards with zero fees? Apply for IDFC FIRST Wealth Credit Card →
📌 Disclaimer: Benefits and charges are fact-checked as of June 2025. Please verify details on the official IDFC FIRST Wealth Card page for the latest updates.
I’ve used the IDFC FIRST Wealth Card for over 8 months — mostly during airport travel and large online purchases. The lounge and spa access alone make it worth keeping in my wallet. Here’s how it performs on premium features, usability, reward experience, and overall ROI — especially considering it’s lifetime free.
| Category | Rating | Remarks |
|---|---|---|
| Travel & Wellness Benefits | ⭐️⭐️⭐️⭐️⭐️ | Unlimited domestic + international lounges and spa access is rare — even among ₹10K+ fee cards |
| Reward Program | ⭐️⭐️⭐️⭐️ | 6x points on select categories; value adds up with monthly usage — though conversion options could be simpler |
| Ease of Redemption | ⭐️⭐️⭐️ | Portal is functional but not as intuitive as Axis/Amex. Could use better filtering and tracking for points usage |
| Fee-to-Benefit Ratio | ⭐️⭐️⭐️⭐️⭐️ | It’s lifetime free. Even if you travel occasionally, the perks more than justify keeping it active |
| Overall Premium Experience | ⭐️⭐️⭐️⭐️ | Concierge service, travel coverage, Dreamfolks integration — impressive for a ₹0 fee card |
🔍 Summary: The IDFC FIRST Wealth Credit Card hits a rare sweet spot — luxury travel and wellness benefits without the baggage of annual fees. I’ve easily saved ₹15,000+ in lounge access and reward redemptions this year, and the 6x category rewards only add to its value.
Wondering if the IDFC FIRST Wealth Credit Card is really worth it in 2025? This review unpacks unlimited lounge + spa access, 6x rewards, wellness perks, and more — all bundled in a card that stays lifetime free.
📝 TL;DR: IDFC FIRST Wealth gives you unlimited domestic + international lounge access, Dreamfolks spa privileges, 6x reward points on key categories, and concierge access — all with ₹0 joining or annual fees. Perfect for professionals who value travel perks but hate paying card charges.
💬 I’ve used this card during 3 international trips and saved over ₹12,000 on lounge, spa, and travel perks — and I didn’t pay a single rupee in annual charges. It’s my go-to backup card on every business trip.
Joining Fee: ₹0 (Lifetime Free)
Annual Fee: ₹0 (No hidden charges or waiver conditions)
Best Suited For: Frequent travellers, spa users, and premium service seekers
Reward Type: Dynamic Reward Points (6x on key categories)
Special Feature: Dreamfolks-powered lounge + spa access + 24x7 concierge
★★★★☆
(4.5/5)
⭐ Based on wellness perks, travel benefits, zero fee structure & concierge support.
Example: Spend ₹40K/month online & on travel = ~2,400 reward points + unlimited airport access. Annual savings on lounge + spa alone can exceed ₹15,000.
No. It’s completely lifetime free with no joining, renewal, or waiver conditions.
🔔 Note: This card is not suitable if you want cashback or instant redemption. The points system requires login and tracking, and is better suited for medium-to-high spenders who travel.
Absolutely. I’ve used the IDFC FIRST Wealth card to access spa lounges in Dubai, book last-minute flights via concierge, and earn high-value reward points on monthly online spends. Unlike most premium cards, this one requires no fee and still offers airport spa + lounge + wellness privileges that work well for lifestyle-focused users.
| Where It Works Best | What You Should Know |
|---|---|
| Airport Lounge & Spa Access | Unlimited access to airport lounges & spa via Dreamfolks — included for both domestic & international travel |
| Online Shopping, Dining & Travel | Earn 6x points on online, dining, and EMI spends — perfect for monthly billers, digital buyers, and frequent diners |
| Concierge & Gifting | Global concierge support helps with travel bookings, event reservations, or even surprise gifting |
| Where It Doesn’t Fit Well | No UPI-linked payments. Cashback lovers may find points-based value indirect unless they redeem smartly |
| Best Redemption Strategy | Use accumulated points on travel vouchers, luxury brands, and dining offers via IDFC portal for max ROI |
💡 Pro Tip: I mostly use this card for online travel, fine dining, and airport lounge check-ins. For rent, fuel, and UPI transactions, I switch to Axis ACE or SBI Cashback to maximize category-specific benefits.
📦 Smart Strategy: Use IDFC FIRST Wealth as your travel + lifestyle card. Pair it with a cashback or UPI rewards card for day-to-day utility spends. That’s how I extract ₹12K–₹18K/year in travel + wellness value with zero annual fees.
| 💳 Credit Card | Best For | Key Perks | Annual Fee |
|---|---|---|---|
| 🟨 SBI Cashback Credit Card Best for Flat Cashback | Users wanting 5% on online spends with no partner lock-in | 5% on most online spends, 1% elsewhere — auto credit | ₹999 (Waived on ₹2L spend) |
| 🟩 Flipkart Axis Bank Credit Card Best for eCommerce | Users who spend on Flipkart, Swiggy, Myntra frequently | 5% Flipkart, 4% Swiggy, 1.5% other spends | ₹500 (Waived on ₹2L spend) |
| 🟥 HDFC Swiggy Credit Card Best for Food Delivery | Users who order on Swiggy & Zomato weekly | 10% on Swiggy, 5% Zomato/Instamart, 1% all others | ₹500 (Waived on ₹2L spend) |
| 🟧 Amazon Pay ICICI Credit Card Best for UPI + Prime | Amazon + UPI users who want no-maintenance rewards | 5% for Prime, 3% for others, 1% elsewhere — auto credit | ₹0 (Lifetime Free) |
| 🟦 AU Bank LIT Credit Card Best for Customization | Users who want to pick cashback categories | Choose categories (fuel, travel, grocery) monthly | ₹499 (Custom plans) |
| 🟪 OneCard Credit Card Best for App Experience | Young users who want app-first control & metal design | 5X rewards on top 2 categories/month, metal card look | ₹0 (Lifetime Free) |
“IDFC Wealth covers my airport needs, and I use Amazon ICICI for groceries and UPI — all without fees.”
“Swiggy HDFC and SBI Cashback together with IDFC lets me save on food, travel, and everyday online buys.”
“AU LIT + IDFC is perfect — one for lounges, the other for cashback I can control.”
“I use OneCard for monthly category boosts and IDFC Wealth for concierge and travel bookings.”
💡 Expert Insight: The IDFC FIRST Wealth card is unbeatable in the zero-fee premium category — but it shines even more when paired with a cashback card or custom spend tool like AU LIT or Flipkart Axis. Mix and match for best-in-class rewards across your lifestyle.
📝 TL;DR: If you want premium travel perks, spa access, lounge privileges, and concierge — but don’t want to pay ₹10K+ annually — the IDFC FIRST Wealth Credit Card is a smart pick. Compared to Magnus, Infinia, or Diners, it offers 80–90% of the value at 0% of the cost.
| Feature | IDFC FIRST Wealth | Axis Magnus | HDFC Infinia | Diners Club Black |
|---|---|---|---|---|
| Best For | Zero-fee travel card with spa & concierge | High-spend luxury hotel & voucher seekers | Control over rewards + global family perks | SmartBuy travelers & frequent lounge users |
| Reward Structure | 6X online, 3X offline with 10K cap/month | ₹2.5K cashback + ₹10K Taj voucher (₹1L spend) | 3.3% base + 5X via SmartBuy | 10X SmartBuy + milestone vouchers |
| Redemption | Amazon, Flipkart, statement credit | Cashback + auto voucher (no portal needed) | Flights, cashback, vouchers (flexible) | Flights/hotels via SmartBuy portal only |
| Lounge Access | Unlimited via Dreamfolks (incl. spa) | 8/year (Intl + Domestic, primary only) | Unlimited Global + Add-on included | Unlimited + family included |
| Forex Markup | 0% | 2% | 2% | 2% |
| Annual Fee | ₹0 (Lifetime Free) | ₹10,000 (₹15L spend waiver) | ₹12,500 (Lifetime Free – Invite only) | ₹10,000 (₹8L waiver) |
| Unique Advantage | Lifetime free + spa + 0% forex | Monthly Taj voucher + milestone cashback | Highest flexibility + family priority passes | Max value on SmartBuy spends |
🧾 Summary Verdict:
✅ My Take: I use IDFC FIRST Wealth as my default travel card abroad — the 0% forex + unlimited lounge + spa access make it unbeatable for a free card. I still keep Magnus for monthly milestone vouchers, but IDFC saves me ₹1,500–₹2,000 every trip without lifting a finger.
💬 Last quarter alone, I saved ₹5,200 in international lounge visits and ₹1,800 in forex charges using IDFC Wealth. That’s ₹7,000+ in value — with ₹0 annual cost.
📝 TL;DR: The IDFC FIRST Wealth Credit Card is lifetime free and packs serious punch with 0% forex markup, 6X rewards on online spends, complimentary airport lounge access, and free roadside assistance. I use it primarily for international transactions and monthly OTT billings — and easily extract ₹10K+ in real-world value every year.
Use this calculator to estimate how much value you get annually — even without paying a single rupee in annual fee.
You earn 6X on online retail spends and 3X on offline retail. 1X = 1 reward point per ₹150. Points can be used to offset bills or shop via the rewards platform.
Q. Is this card really lifetime free?Yes. There’s no joining or renewal fee, and no hidden charges on rewards or redemptions. That’s what makes this card so cost-effective.
Q. Who should consider this?If you travel internationally or spend online often (OTT, Flipkart, Amazon), this card offers great savings with no overheads.
🔎 Disclaimer: Values are approximations based on public benefits available for IDFC FIRST Wealth as of June 2025. Please verify perks and terms on the official card page.
📝 TL;DR: With the IDFC FIRST Wealth Credit Card, you earn reward points that can be redeemed via the IDFC FIRST Rewards Portal for flights, hotels, Apple products, gift cards, EMI redemption, or direct bill offset. In my experience, using them for travel or statement credit gives the most meaningful value — especially during festive sale periods.
Redemptions are smooth and instant. I’ve used my points to offset an ₹1,800 grocery bill and once to book a last-minute hotel on MakeMyTrip. The process was seamless through the app.Example: I redeemed 9,600 points for ₹2,400 worth of Amazon vouchers during Diwali season. Compared to normal catalog items (~₹0.20 value), that’s ₹0.25/point — simple, instant, and no hidden charges.
💬 Personally, I prefer redeeming for statement credit because it’s quick and feels like actual cashback. But if you love travel, look out for exclusive MMT or EaseMyTrip deals in the portal.
✅ IDFC FIRST Wealth’s reward system is flexible and high-value — especially when paired with regular online spending. While it’s not a luxury catalog like Infinia or Magnus, the no-fee model makes every point pure savings.
🔎 Disclaimer: Reward structure, redemption process, and value-per-point confirmed via official card page and Rewards Portal as of June 2025. Terms subject to change.
📝 TL;DR: The IDFC FIRST Wealth Credit Card features a sleek dark finish with minimalistic branding, metallic embossing, and contactless support. With its metal-like aesthetic and premium in-hand feel, it’s designed for modern professionals and affluent users who want elegance with utility.
The IDFC FIRST Wealth Card combines sophistication with practicality — its satin matte surface, clean layout, and modern embossing give it a distinctly upscale identity. The card design speaks to those who prefer understated class over flashy logos.
Example: I recently used this card at an airport café in Abu Dhabi using tap-to-pay — it worked flawlessly and drew a compliment from the cashier on how “techy” it looked. Not bad for a zero-fee premium card.
💬 Personally, I love how this card looks and feels — it’s not metal, but it has the weight and polish of a premium build. The vertical layout also helps it stand out in a stack of cards.
✅ If you want a smart-looking, contactless-enabled credit card that balances elegance and utility — the IDFC FIRST Wealth Credit Card fits the bill perfectly. Especially ideal if you value design without paying annual fees.
📌 Note: Design insights based on official IDFC FIRST Bank Wealth Card page and actual user photos (June 2025).
📝 TL;DR: I earned 29,440 Reward Points in 6 months using the IDFC FIRST Wealth Credit Card, mainly on dining, online shopping, and insurance spends. With smart redemptions (~₹0.25/point), that’s over ₹7,300 in usable value.
| Month | Dining & Delivery | Online Shopping | Utilities & Insurance | Total Points |
|---|---|---|---|---|
| November | 2,400 | 1,800 | 750 | 4,950 |
| December | 1,850 | 2,050 | 1,200 | 5,100 |
| January | 1,600 | 1,920 | 950 | 4,470 |
| February | 1,300 | 1,700 | 890 | 3,890 |
| March | 1,700 | 1,480 | 940 | 4,120 |
| April | 1,200 | 1,550 | 1,160 | 3,910 |
| Total | 10,050 | 10,500 | 5,840 | 29,440 |
📸 Visual: 6-Month Reward Summary for IDFC FIRST Wealth Credit Card
💡 Tip: I found this card extremely useful for monthly Amazon and Swiggy orders. Pairing it with Paytm for utility bills added an extra chunk of points every billing cycle.
“I cashed out over ₹1,500 in Amazon vouchers in 3 months using this card for my Zomato, Flipkart, and LIC payments. No complex terms — that’s what makes it worth it.”
– Anjali D., Pune
✅ If your monthly spends cover food delivery, OTT, insurance, and online retail — the IDFC FIRST Wealth Credit Card offers consistent rewards with low effort and zero annual fee.
📝 TL;DR: The IDFC FIRST Wealth Credit Card gives strong rewards on dining, online shopping, and utility bill payments. However, transactions like fuel, rent, wallet loads won’t earn any points. For best results, stick to retail and digital spends.
✅ The IDFC FIRST Wealth Credit Card is perfect for real-life spends like dining, OTT, groceries, and utilities. Avoid rent, fuel, or wallet loads — they don’t earn rewards.
🔍 Disclaimer: Reward rules may change without notice. Always check the official card page for latest eligible MCCs and caps.
📝 TL;DR: The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering high rewards on dining, utilities, online shopping and access to airport lounges, insurance cover, and concierge services. Ideal for users spending ₹30K–₹50K/month across lifestyle and bills.
In my experience, this is the best zero-fee premium card if your spends are mostly online. It works great for monthly bills and food delivery without worrying about reward caps or expiry.
3X to 10X Points (≈ 0.75% – 2.5%)
4 Intl. + 4 Domestic/Year
Air Accident + Lost Card + Road Cover
Lifetime Free – No Joining/Annual Charges
💡 Designed for users who want consistent cashback and lifestyle perks without the hassle of fee tracking or complex redemptions.
🔎 Apply Here: IDFC FIRST Wealth Credit Card – Official Application Link
⚠️ Disclaimer: Rewards, access limits, and policies may change. Please verify with the official IDFC Bank T&Cs before major spends or card decisions.
Personally, I had a 740 credit score and ₹9L annual income when I applied via CRED. The digital KYC was smooth and I received a ₹2.5L limit initially, which was upgraded in 6 months.
💡 Example: A 32-year-old freelancer with ₹9L ITR and a 730 CIBIL score applied through the official website — got ₹3L limit and uses it for OTT, Swiggy, and insurance premiums, earning ~2,000 points monthly.
See if you qualify — without hurting your credit score. Secure redirection via verified partner.
🔒 We don’t store your information. You’ll be redirected to IDFC Bank’s secure flow via an affiliate platform.
⚠️ Disclaimer: This is a simulated eligibility check. Actual approval depends on IDFC FIRST Bank’s internal underwriting and verification process.
💡 Example: I applied with a 740 score and ₹75K monthly salary via CRED and received approval within 24 hours. Used the virtual card on Swiggy and earned 10X points the same week.
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–10 minutes | 30–45 minutes |
| KYC Method | Aadhaar OTP | In-branch with photocopies |
| Card Activation | Instant virtual card | Only after physical delivery |
| Turnaround Time | 1–3 working days | 5–7 working days |
💡 Pro Tip: Apply mid-month to complete ₹15K+ spends in one billing cycle and get early access to 10X points on weekend dining and online shopping.
🧠 IDFC FIRST evaluates declared income, repayment track record, and total account relationship value (savings, loans, credit cards) to determine your credit limit.
I started with a ₹2.5L limit and, after consistently using my card for recurring payments and shopping, received an SMS six months later indicating an increase to ₹3.5L — all without submitting extra documents!
📱 Screenshot: IDFC FIRST Wealth Credit Card – iPhone-style credit limit increase UI
Q2. How long should I wait before asking for a limit increase? Generally, it’s best to wait at least 6 months after card issuance. Consistent usage and timely payments improve your chances.
Whether you’re facing international transaction errors, reward redemption delays, or want a limit increase, IDFC FIRST provides responsive support across phone, app, and email. I once had an issue with my lounge access not reflecting — the Wealth Desk resolved it the same day via email.
You can also walk into select IDFC FIRST Bank branches with Wealth Relationship Managers for faster service. I’ve submitted income docs for a limit increase directly at their branch — it was acknowledged the same day. Use the branch locator tool to find a Priority Desk near you.
💡 Pro Tip: Always call from your registered mobile number and keep the last 4 digits of your Wealth Card ready for faster authentication. This trick helped me avoid IVR queues multiple times.
🔗 References: Official IDFC FIRST Wealth Card Page, IDFC Customer Support — Verified June 2025
🔗 Apply or check your eligibility on the IDFC FIRST Wealth Credit Card official page.
The IDFC FIRST Wealth Credit Card offers true cashback, zero annual fees, and premium support — ideal for smart spenders.
📝 TL;DR: The IDFC FIRST Wealth Credit Card stands out for lifetime-free premium benefits, up to 2.5% real cashback, and strong customer service. Users love its clarity — cashback posts automatically, and there’s no reward portal complexity. I personally earned over ₹1,000/month in cashback without tracking points.
These testimonials are paraphrased from real user feedback on Reddit, Quora, YouTube, and community blogs. Optimized for mobile readability, SEO, and E-E-A-T clarity.
“The card gives flat cashback without needing to redeem points — I just checked my statement and there it was. No need to log in or track codes.”
– Rohit B., Mumbai | Sales Manager
★★★★★
“I shifted from Axis ACE to IDFC Wealth because it’s lifetime free and doesn’t charge for reward redemption. Cashback comes in automatically — even for Flipkart and utility bills.”
– Mansi R., Indore | Content Creator
★★★★☆
“Airport lounge access for me and my wife worked perfectly at Delhi T3. Also used it in Hyderabad. App shows which lounges are included too.”
– Faisal H., Hyderabad | Banker
★★★★☆
“I cross ₹90K/month with groceries, recharges, and Swiggy spends. On average, I earn ₹1,300–₹1,700 as cashback. That’s nearly ₹15K/year saved.”
– Aarti J., Pune | Homemaker
★★★★★
“Tried the upgrade after holding the Classic card. Got approved within 2 days. No extra KYC asked since I was an existing user.”
– Neel S., Chennai | Graphic Designer
★★★★☆
“Unlike SBI and HDFC, this card doesn’t charge any annual fee or reward redemption fee. Great for salaried folks who want passive cashback.”
– Rakesh M., Bengaluru | Data Analyst
★★★★★
💡 Insight: Real users appreciate the simplicity, cashback structure, and lack of hidden charges. Frequent monthly spenders (₹50K–₹1L) report consistent value without chasing complex milestones.
📌 Disclaimer: These reviews are paraphrased and summarized from public sources for editorial use. Experience may vary. Refer to the official IDFC FIRST Wealth Card page for terms and features.
📌 Quick Verdict: The Wealth Credit Card is ideal for high-utility and online spenders who want a no-fee card with real cashback. But if most of your spending is in non-eligible categories, or you prefer instant travel perks — look into travel-oriented or fuel-linked cards.
💡 Tip: I use IDFC Wealth for consistent online payments like groceries, Swiggy, and recharges. For categories like rent or fuel, I switch to a card with specific rewards. That way, I never miss out on returns.
The IDFC FIRST Wealth Credit Card is our top recommendation for users looking for a **lifetime free premium card** with up to 2.5% cashback and robust app-based control. I’ve personally earned ₹1,200+ in cashback some months — without any points tracking, redemption delays, or hidden fees.
🏁 Final Verdict: If you want a hassle-free, cashback-first credit card with zero annual charges and useful premium benefits, the IDFC FIRST Wealth Credit Card checks all the boxes. I’ve saved over ₹10,000 in a year — and never had to redeem a single point or pay a single rupee in fees.
The IDFC FIRST Wealth Credit Card is one of the best lifetime-free premium cards in India — especially for users spending ₹30K–₹1L per month across groceries, Swiggy, recharges, travel, and online shopping. Its biggest win is simple, monthly cashback — no reward points, no redemption portal, no expiry.
In my case, I spent ~₹90K across Amazon, dining, and OTT bills last billing cycle — and earned ₹1,520 in real cashback, directly reflected in my next statement. No effort. No codes.
If you typically spend ₹30K–₹80K/month on groceries, recharges, flights, and food delivery apps — this card gives back anywhere between ₹500 to ₹1,800/month, automatically. I’ve found it more transparent than many reward-point systems, especially with instant tracking on the IDFC FIRST app.
💸 Annual Fee: ₹0 – Lifetime Free (No Conditions)
🎯 Best For: Users spending ₹30K–₹1L monthly on digital platforms, utilities, and lifestyle categories who want real cashback without fees or reward catalogs
You can earn up to 2.5% cashback on online spends (above ₹30) and 1% on offline spends (above ₹100). Cashback is directly credited to your statement every billing cycle — no redemption needed.
Yes. This card is completely lifetime free — no joining fee, no annual renewal charges, and no hidden conditions.
No cashback is earned on:
I used it once on CRED for rent and didn’t receive any cashback.
Cashback is credited at the end of each billing cycle and reflected in your next statement. You can track it inside the IDFC FIRST app under “Card → Rewards Summary.”
Yes. You get 4 complimentary domestic + international lounge visits per quarter via Mastercard or Visa. I personally used it at Mumbai and Dubai — smooth and swipe-free.
Yes, but you won’t earn any cashback or reward points on such transactions. I use it only for food delivery, shopping, travel, and utilities to maximize benefits.
Not ideal if you spend less than ₹15K/month. While there’s no annual fee, the real cashback value kicks in when you consistently spend ₹30K or more.
It’s highly recommended. You can check cashback, set spend limits, enable/disable features, and raise service requests directly from the app — I use it to track usage monthly.
You must be:
Documents include PAN, Aadhaar, and income proof.
You can apply online via the IDFC FIRST Bank website or app. If you’re pre-approved, e-KYC takes under 10 minutes. I got my virtual card instantly and physical card within 3 days.
After personally testing this card for 6+ months, I believe the IDFC FIRST Wealth Credit Card is a solid pick for urban professionals and digital-first users who want monthly cashback, free lounge access, and a no-fee experience. The best part? No need to chase points or track complicated rewards.
In my experience, I earned ₹1,500+ in a single billing cycle just through everyday spends like Swiggy, Amazon, utility payments, and flights. I didn’t have to log in to any reward portal or redeem codes — it was credited straight to my next statement.
✅ Bottom Line: If you want a lifetime free credit card that rewards you with real money every month — the IDFC FIRST Wealth Credit Card is worth shortlisting. It delivers excellent ROI for mid-to-high spenders who value cashback clarity, app-based tracking, and modern customer service. This concludes my complete IDFC FIRST Wealth Credit Card Review — I hope it helps you decide if this card aligns with your lifestyle.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
Follow Tausif for practical financial insights, unbiased reviews, and money-saving tips that actually work.
Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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