First Wealth Credit Card
Only a card such as this can unlock the exclusivity you deserve. Evergreen rewards, lowest interest rates, exclusive lifestyle & travel benefits mean that there’s no reason to reach for another credit card
Reward Program
Your reward points, Yours to keep forever!
Easy to earn. Easy to redeem!
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10X Reward Points on incremental spends above ₹30,000 per month and spends done on your birthday
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6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹30,000 per month
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Unlimited Reward points that never expire
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Use Reward points to instantly pay for online or in-store purchases
1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points
Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points
BENEFITS & PRIVILEGES
First-in-class features.
Designed to delight, year after year.
Joining benefits
Privileges
Convenience
The best things in life are free. Like Our Credit Cards.
FEES AND CHARGES
Low on charges,
high on benefits!
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No annual fee. Lifetime Free Credit Card
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Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹250 per transaction)
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OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹500
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Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)
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Forex Markup at 1.5% for all international transactions
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Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
PAYMENTS
IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments
