Notify me on Launch

FIRST Wealth Card Overview

Your Wealth credit card is FIRST of its kind – Complimentary for life, up to 10X Reward Points, 1.5% Forex Markup, Complimentary access to select Spas and Lounges at Domestic and International Airports, Travel insurance, accident cover privileges and other benefits round the year. read more

BENEFITS & PRIVILEGES

Now, your Credit Card reward points* are

Never Expiring | Unlimited | Easy to redeem

  • 10X Reward Points on all Spends above ₹20,000
  • 6X Reward Points on Online Spends
  • 3X Reward Points on all Offline Spends
  • 10X Rewards on all spends done on your Birthday
  • 1X = 1 Reward Point per ₹100 spent | 1 Reward Point = ₹0.25

*Reward Points earning and 10X threshold not applicable for Fuel, EMI, Insurance transactions and Cash Withdrawals

BENEFITS & PRIVILEGES

Super Privileges

  • Complimentary Golf rounds
  • Free Road Side Assistance (RSA) worth ₹1,399
  • Fuel surcharge waiver at all fuel stations across India up to ₹400 every month
  • Buy one get one offer on movie tickets of up to ₹500 per ticket, twice every month
  • 50+ In-App discount offers | Upto 20% discount on 1500+ Restaurants | Upto 15% discount on 3000+ Health & Wellness Outlets

BENEFITS & PRIVILEGES

Joining Benefits

  • Welcome Gift Vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up
  • Get 5% cashback on first EMI transaction performed within 90 days of card set-up.

BENEFITS & PRIVILEGES

Other Privileges

  • Air Accident Cover of ₹1 Crore*
  • Personal Accident Cover of ₹10 Lakh *
  • Complimentary Lost Card Liability Cover of ₹50,000
  • Comprehensive Travel Insurance Cover of $ 1200#
  • Enjoy 4 complimentary Domestic & International Airport lounge and spa visits every calendar quarter
  • Enjoy 4 complimentary Railway lounge visits every calendar quarter

*On doing at least 1 transaction in the previous month

#Loss of Check-In Baggage - $ 500; Delay of Check-In Baggage $ 100; Loss of Passport and other documents - $ 300; Delay in Flight- $ 300

This Credit Card is given to you free for life!

Fees & Charges
  • Lifetime Free Credit Card
  • Over limit Fee - NIL
  • Credit Card Interest Rate – from 0.75% to 2.99% per month
  • Reward Redemption Fees – NIL
  • FX Markup – 1.5%
  • Late Payment Fee – 15% of Total Amount Due (subject to Min ₹100 and Max up to ₹1,000)
  • International & Domestic Cash Advance Fee – ₹250

More Details

Frequently asked questions

Is there a Joining/Membership/Annual fee on IDFC FIRST Bank Credit Cards?

There is No Joining/Membership/Annual fee applicable on any of the IDFC FIRST Bank Credit Cards

What are the current offers available on IDFC FIRST Bank credit cards?

IDFC FIRST Bank Bank Credit Cards are loaded with a host of benefits, offers & features.

Some of them are listed below and will be applicable as per card variant available with you:

Lifestyle benefits – Discounts on shopping, dining & movies, complimentary round of golf every month, etc.

Travel benefits – Complimentary airport lounge access.

Other benefits – various in-app online discounts, discounts on health and wellness outlets, etc.

 

Is there an expiry date on the reward points accrued on my card?

There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card

How do I generate my credit card PIN?

Net Banking

Pre-login

  • Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login]
  • Enter “Customer ID” & “Credit Card number” and click on Get OTP
  • Verify using the OTP sent on your registered mobile number
  • Enter and Re-enter PIN of your choice and click on confirm
  • Your Credit Card PIN is set

 

Login

  • Login to your Net Banking account
  • Select Credit Card section
  • Select Set new PIN
  • Enter and Re-enter PIN of your choice and click on Get OTP
  • Please verify through the OTP sent to your registered mobile number
  • Your Credit Card PIN is set

 

Mobile Banking App

Pre-login

  • Select browse icon from the right side top menu on login page
  • Enter “Customer ID” & “Credit Card number” and click on Get OTP
  • Please verify through the OTP sent to your registered mobile number
  • Enter and Re-enter PIN of your choice and click on confirm
  • Your Credit Card PIN is set

 

Login:

  • Login to Mobile Banking App
  • Access Credit Card section
  • Select Set new PIN
  • Enter and Re-enter PIN of your choice and click on Get OTP
  • Your Credit Card PIN is set

 

Customer Care:

  • Dial our Customer Care and follow the instructions to generate the PIN

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

More FAQs