IDFC FIRST Wealth
Lifetime-free premium, best zero-fee card in India.
External link to IDFC FIRST Bank’s own application page.
The IDFC FIRST Wealth has no annual fee. It earns 3% on all spends. Forex markup is 1.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much IDFC FIRST Wealth actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the IDFC FIRST Wealth earn?
What you earn back, by category.
5,000 reward points on first 90-day spend
What do you get with the IDFC FIRST Wealth?
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free, no annual fee, no fee-waiver math
Who qualifies for the IDFC FIRST Wealth?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
IDFC FIRST Wealth FAQ
›What is the IDFC FIRST Wealth annual fee?
The IDFC FIRST Wealth has no annual fee.
›What does the IDFC FIRST Wealth earn?
It earns 3% on all spends.
›What is the IDFC FIRST Wealth forex markup?
The IDFC FIRST Wealth charges 1.5% forex markup on foreign-currency spends.
›What income do you need for the IDFC FIRST Wealth?
The stated minimum income is ₹12,00,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the IDFC FIRST Wealth welcome bonus?
5,000 reward points on first 90-day spend.
›Are these IDFC FIRST Wealth figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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