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₹500 gift voucher from choice of brands like - Amazon, Bigbasket, Uber and Lifestyle on spending ₹5,000 within 30 days of card generation*.
*30 days from the day you receive SMS/email confirmation that your card is generated.
Eligibility:
•Spends of ₹5,000 within 30 days of card generation
•Spends is only eligible for Primary Card
Fulfilment:
•After meeting the spends criterion of ₹5,000, you will receive a SMS/email communication (within 4-5 working days) on your registered mobile number/ email with a link to reward section of our mobile banking app.
•Click on the welcome benefit banner to pick a voucher of your choice. The voucher will be available for redemption up to 90 days of receiving the SMS/email.
Exclusion
•Not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawal.
•If any of the transactions are reversed/cancelled/ disputed by the cardholder or merchant, that transaction will be excluded.
Know More
Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
*30 days from the day you receive SMS/email confirmation of card generation.
Eligibility:
•This offer is applicable only on first EMI conversion within first 30 days of card generation.
•A transaction above ₹2,500 and above can be converted into EMI
Fulfilment:
•Eligible customers will receive cashback within 90 days of the offer end date
Exclusion:
•Transactions done on gold and jewellery are not eligible for EMI conversion
•If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
•If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded
Know More
Experience the best the world has to offer with a forex markup of just 1.5% (+GST) on your international spends.
This fee also applies to international transactions done in Indian currency.
Enjoy 2 complimentary visits to domestic airport lounges or spas, and 2 complimentary visits to global airport lounges every quarter
• Book a lounge visit online
Book Now
• View the list of lounges
Explore
Disclaimer: Spend ₹20,000 in the current calendar month to avail the benefit in the next month.
T&C Apply
Last-minute change of plans? Get reimbursed for up to ₹10,000 on non-refundable portion of hotel and flight cancellations. The total cover can be used for up to two claims during the policy period. The benefit can be shared between the Primary & Add On cardholders.
For more details and to know more about the claim process, Click here
Avail 4 complimentary visits to lounges at select Indian railway terminals.
Disclaimer: Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.
Explore list of eligible railway lounges
Tee off in style at 20+ golf courses in India with up to 2 complimentary golf rounds/lessons every month.
Unlock a golf round/lesson per month on spending over ₹20,000, in statement cycle.
For a list of golf course and terms & conditions, Click here
Book your visit
Indulge in unforgettable movie experiences using the Buy-One-Get-One movie ticket offer via District mobile app , and get up to ₹250 off on the second ticket. The benefit can be availed twice in a calendar month. T&C apply
Save more for your next road trip with a 1% Fuel Surcharge Waiver of up to ₹400* in a statement cycle on fuel transactions valued between ₹200 & ₹5,000
*Effective 20th February 2025, Fuel Surcharge Waiver will be revised to ₹300
Stay protected when you travel or lose your card with air accident, personal accident, and lost card liability insurance cover.
Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10 lakh and Lost Card Liability Cover of ₹50,000. Valid on making at least one transaction with the FIRST Wealth Credit Card in the last 30 days.
T&C apply
Get a comprehensive travel insurance coverage of up to USD 1200
Loss of Checked-in Baggage- USD 500
Delay of Checked-In Baggage USD 100
Loss of Passport and other documents – USD 300
Delay in Flight – USD 300
T&C apply
Receive 24/7 complimentary roadside assistance worth ₹1,399 during car or two-wheeler emergencies across India T&C apply
Get personalized assistance for all your travel needs
This service provides a modern, personalized experience for self-booking your dining, staycations, flights and activities.
Book now
Make every purchase sweeter with 300+ brand offers across dining, shopping, travel and more, all year long Explore all offers
Get attractive discounts on airport transfer limousine services across in over 3000 cities across 83 countries. Book now
Stay for 3, Pay for 2 at ITC Hotels
Enjoy a complimentary 3rd night for every 2 consecutive paid nights at ITC Hotels. Use promocode ITCVIS to unlock the offer on the ITC website.
OR
Get 50% off your 2nd night at ITC Hotels
Stay for 2 nights and enjoy the 2nd night at 50% off at ITC Hotels. Use promocode ITCV50 to unlock the offer on the ITC website.
To know more, visit https://visaitcoffer.poshvine.com/
Note: The offer cannot be clubbed with other offers in a single transaction. This is an exclusive offer provided by VISA and is subject to change or discontinuation without prior notice.
Stay for 3, Pay for 2 at Elivaas
Enjoy a complimentary 3rd night for every 2 consecutive paid nights booked at Elivaas’ properties
OR
Get 50% off your 2nd night at Elivaas
Stay for 2 nights and enjoy the 2nd night at 50% off at Elivaas’ properties
To know more, visit https://www.elivaas.com/explore/visa-offers/
Note: This is an exclusive offer provided by VISA and is subject to change or discontinuation without prior notice. The offer can be availed on the merchant website and cannot be clubbed with other offers in a single transaction.
Offer 1: Complimentary meet & greet service
Offer details: You can enjoy a complimentary meet and greet service at major Indian airports once a year with your credit card. This offer is available by spending USD 1000 (approx. INR 85,000) on international point-of-sale transactions in the past 12 months before the booking date.
Note:The offer cannot be combined with other offers. This is an exclusive offer provided by VISAand is subject to change or discontinuation without prior notice. Click Here to know more.
Offer 2: Flat 10% discount on meet-and-greet service
Offer details: For all other instances, or more than one guest, enjoy a flat 10% discount on meet & greet service at major Indian airports
Eligibility: Available to all eligible VISA Infinite cardholders
Note: The offer cannot be combined with other offers. This is an exclusive offer provided by VISAand is subject to change or discontinuation without prior notice. Click Here to know more.
Offer 3: Discounted Meet and Assist Service
Enjoy discounts on Airport Fast-track immigration service at over 450 destinations worldwide.
Experience luxury dining at its finest—handpicked restaurants, bespoke menus, and priority access await you with your VISA Infinite card. Reserve now on https://dinewithvisa.in
Terms and conditions apply. https://dinewithvisa.in/privacy-policy
Enjoy exclusive benefits and discounts at 900+ luxury hotels around the world.
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
Book Now
all transactions above ₹2,500 using our mobile banking app
starting at just 8.5% per annum
*Cash withdrawal fee of ₹199 + GST applicable per transaction
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education, Wallet Load, Utility and Insurance. These transaction will not be counted towards 10X spends milestone.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance and utility transactions will not be counted towards 10X spends milestone.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.
Joining and Annual Fees
Interest rates /Annual Percentage Rate (APR)
Forex Markup
on international transactions
Cash Withdrawals
Across domestic and international ATMs
Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App
Open the IDFC FIRST Mobile Banking App
Tap ‘Travel & Shop’ in the menu
Choose Hotels or Flights and Book
Sweeter benefits await
Manage Your Card:
Access your virtual credit card, view transaction details, e-statements, and outstanding amounts seamlessly.
Control Usage:
Instantly manage your credit card settings, including online, contactless, and international transactions, or set/reset your card PIN.
Convenient Repayments:
Pay your credit card bill effortlessly through multiple options or set up autopay for hassle-free repayments.
Exclusive Offers:
Discover curated merchant offers and redeem your Reward Points for exciting deals.
Learn all about credit cards
Unlock up to 10X reward points, a low forex mark-up fee, and other travel perks with this premium lifetime-free card.
Important steps to take to prevent your credit card from getting declined when you travel abroad.
Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.
All
Fees and Card Usage
Redesigned Card
Benefits
Airport Lounge
International Helpline
CFAR
Golf Benefit
Credit Limit
Reward Points
No, there is no joining fee or annual fee for the IDFC FIRST Wealth Credit Card. It is a lifetime-free Visa Infinite card that provides premium benefits at zero cost, making it an attractive option for customers. To apply, click here.
IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.
Yes, you can withdraw cash from both domestic and international ATMs using your IDFC FIRST Wealth Credit Card. It offers interest-free cash withdrawals for up to 45 days. A flat fee of ₹199 + GST is applicable per transaction, which can be useful in emergencies or when you need liquid cash on the go.
Net Banking
Pre-login
• Click on Generate Credit Card PIN on the pre-login page [https://my.idfcfirstbank.com/login]
• Enter your Customer ID and Credit Card number and click on Get OTP
• Verify using the OTP sent on your registered mobile number
• Enter and Re-enter a PIN of your choice and click on confirm
• Your Credit Card PIN is set
Login
• Login to your Net Banking account
• Select Credit Cards
• Select Set new PIN
• Enter and Re-enter a PIN of your choice and click on Get OTP
• Please verify using the OTP sent to your registered mobile number
• Your Credit Card PIN is set
Mobile Banking App
Pre-login
• Select the browse icon from the top menu on the login page
• Enter your Customer ID and Credit Card number and click on Get OTP
• Verify using the OTP sent to your registered mobile number
• Enter and Re-enter a PIN of your choice and click on Confirm
• Your Credit Card PIN is set
Login
• Login to Mobile Banking App
• Access the Credit Card section
• Select Set new PIN
• Enter and Re-enter a 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
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.
The joining benefits include:
These benefits add immediate value and are easy to unlock through regular spending.
The FIRST Wealth Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, please visit https://idfcfirstrewards.poshvine.com/offers
The card levies a low forex markup of just 1.5% (+GST) on international transactions. This rate is applicable even when international purchases are made in INR, making it a cost-efficient companion for overseas shopping and travel.
Yes. Cardholders must spend ₹20,000 in the current calendar month to qualify for complimentary railway lounge access in the following month. You are eligible for 4 complimentary visits annually at select Indian railway terminals.
Absolutely. You receive 2 complimentary domestic and 2 international lounge or spa visits per quarter. These visits can be accessed through your IDFC FIRST Mobile Banking App or via Visa Infinite partners, ensuring premium comfort while you travel.
You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.
For e.g., Meet the spend criteria between 1st to 31st Jan 2024 to activate the benefit in Feb 2024.
Yes. Unused quarterly airport lounge visits can still be used within the same quarter. However, if not availed within the quarter, they do not carry forward. Railway lounge visits are dependent on qualifying spend in the previous month.
For airport lounges, benefits are available by default each quarter. For railway lounge access, the benefit activates if you’ve spent ₹20,000 in the previous calendar month. You can track eligibility via your IDFC FIRST Mobile App or SMS/email alerts.
You are eligible for CFAR (Cancel for Any Reason) if:
Eligibility can also be confirmed by checking your card's policy coverage or by contacting IDFC FIRST Bank’s customer support.
No, you don’t need to transact every month. However, you must have completed at least 1 transaction on the credit card in the calendar month preceding the start of the policy period, and the booking must be made during the policy coverage period to be eligible for a CFAR claim. A maximum of two claims are permitted per policy year, with a maximum reimbursement of ₹10,000.
No. For the cover to apply, both booking and cancellation must occur within the defined policy period.
No, the CFAR benefit is included free of cost with the IDFC FIRST Wealth Credit Card. You do not have to pay any extra premium or subscription to avail this protection.
No, the CFAR cover is capped at ₹10,000 per policy period and cannot be enhanced. This amount can be utilised for up to two claims and is shared between the primary and add-on cardholders.
All flight bookings—domestic or international—made using the IDFC FIRST Wealth Credit Card are eligible, provided they fall under the non-refundable portion of the fare and are made within the policy period. Supporting documentation must be submitted during claims.
No. If you have already filed two claims, you cannot claim the remaining ₹5,000, even if it is unused. The maximum number of claims allowed is two during the policy period.
Yes. Spend ₹20,000 in a billing cycle to unlock a complimentary golf round or lesson. You can enjoy up to 2 complimentary sessions each month at 20+ golf courses in India, offering a premium leisure experience.
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.
If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. However, the limit will be shared across all unsecured credit cards.
Yes. You will earn:
- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday
- 3X reward points on spends up to ₹20,000 in a statement cycle
- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions
- 1 reward point on utilities and insurance transactions
The reward points you earn stay with you forever, as long as the card is active.
Categories not included in the 10X Reward Points threshold, include Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load. Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.
1X equals 1 reward point for every ₹150 spent in a transaction. The value of 1 reward point is ₹0.25.
Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges.
Only transactions settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited in the next statement generation.
You can use your Reward Points while paying online or while shopping at a store. Just choose the option to pay with points. You can also redeem your Reward Points on amazing offers at www.idfcfirstrewards.poshvine.com
There will be a redemption fee of ₹99 + GST on every reward redemption transaction
There is no expiry date on the Reward Points accrued on your IDFC FIRST Wealth Credit Card. You can use your Reward Points whenever you want, as long as your card is active.
The reward points will get credited upon statement generation.
The IDFC FIRST Wealth Credit Card features a sleek, appealing design that reflects elegance and modernity. Crafted with a premium matte finish, it resonates with the lifestyle of affluent individuals seeking sophistication in both utility and aesthetics.
Cardholders can enjoy a Buy-One-Get-One movie ticket benefit via the District app. This offer provides a discount of up to ₹250 on the second ticket and can be availed twice per calendar month, making movie outings more affordable and enjoyable.
In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152
Yes. You can share your credit limit with anyone, including friends, family, or a loved one, with an Add-On credit card at a joining and annual fee of just ₹499.
While they can use the card for their purchases, the bill will have to be paid by you.
For more details, please click the link below:
Yes, the IDFC FIRST Wealth Credit Card provides access to airport Meet and Greet services as part of its Visa Infinite privileges. Cardholders can enjoy discounted access to fast-track immigration services at over 450 global destinations, ensuring a smooth and premium airport experience. This benefit adds a layer of luxury and convenience for frequent flyers, enhancing the overall travel experience from arrival to departure.
Yes, the IDFC FIRST Wealth Credit Card is a lifetime-free credit card, meaning it comes with zero joining and annual fees. Despite offering a host of premium benefits—such as Visa Infinite privileges, travel insurance, lounge access, railway lounge visits, and complimentary golf access—there are no recurring membership charges, making it a truly rewarding option for elite and aspirational customers.
As a Visa Infinite credit card, the IDFC FIRST Wealth Credit Card unlocks several exclusive travel benefits:
To maximise reward earnings:
• Flight booking via the IDFC FIRST Mobile App will earn 20 bonus points per ₹150 spent
Additionally, reward points never expire and can be redeemed across a wide variety of options—making your spends significantly more valuable.
CFAR stands for Cancel for Any Reason. It is a travel insurance benefit that covers the non-refundable portion of your flight and hotel bookings in case of cancellations. With the IDFC FIRST Wealth Credit Card, you are entitled to a reimbursement of up to ₹10,000, which can be shared between primary and add-on cardholders.
To avail this benefit:
This benefit is valid for up to two claims per policy period, adding a layer of financial protection to your travel plans.
While the IDFC FIRST Wealth Credit Card does not directly offer complimentary airport Meet & Greet services, it provides discounted access to these services through the Visa Infinite platform. These discounts are available globally at over 450 airports. You can avail of this service multiple times a year at preferential rates, ensuring a seamless travel experience.
The IDFC FIRST Wealth Credit Card offers:
This totals up to 16 complimentary lounge/spa visits annually (8 domestic + 8 international). These benefits can be accessed via the IDFC FIRST Mobile Banking App and elevate your airport experience with comfort, refreshments, and connectivity.
The IDFC FIRST Wealth Credit Card offers comprehensive travel insurance with coverage of up to USD 1,200, including:
To avail of complimentary golf benefits:
Important documents