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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

  • Lifetime Free
  • Low Forex
  • Lounge Access

FIRST Wealth Credit Card

Embrace every opportunity to indulge yourself

#SeizeTheMoment

FIRST Wealth Credit Card - Low Forex Markup Credit Card

Low forex markup at just 1.5%

on international transactions

Earn up to 3X
Reward Points on UPI Spends

Already have the FIRST Wealth Credit Card?

Eligibility: Annual income of ₹36 lakhs or more

Exciting joining benefits

₹500 gift voucher from your favourite brands

Up to ₹1,000 cashback on your first EMI transaction

₹500 gift voucher from choice of brands

₹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

Up to ₹1,000 cashback on your first EMI transaction

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

Indulge in finer experiences

Travel
Lifestyle
Comprehensive insurance
VISA Infinite Privileges

Low forex markup at just 1.5%

Complimentary airport lounge privileges

Free trip cancellation cover of up to ₹10,000

Complimentary railway lounge visits

Premium golf privileges

Buy-1-Get-1 movie ticket offer

1% Fuel surcharge waiver

Over 300+ merchant offers

Accident and lost card liability cover

Comprehensive travel insurance cover

24/7 Roadside assistance

Airport meet and greet discounts

Airport transfer discounts

Personalised concierge at your fingertips

Low forex markup at just 1.5%

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.

Complimentary airport lounge privileges

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

Free trip cancellation cover of up to ₹10,000

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

Complimentary railway lounge visits

Avail 4 complimentary visits to lounges at select Indian railway terminals.
Disclaimer: Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. Explore list of eligible railway lounges

Premium golf privileges

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

Buy-1-Get-1 movie ticket offer

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

1% Fuel surcharge waiver

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

Accident and lost card liability cover

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

Comprehensive travel insurance cover

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

24/7 Roadside assistance

Receive 24/7 complimentary roadside assistance worth ₹1,399 during car or two-wheeler emergencies across India T&C apply

Airport meet and greet discounts

Enjoy discounts on Airport Fast-track immigration service at over 450 destinations worldwide. Book Now

Airport meet and greet discounts

Enjoy discounts on meet and greet services at 450+ airports worldwide

Enjoy discounts on Airport Fast-track immigration service at over 450 destinations worldwide. Book now

Personalised concierge at your fingertips

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

Over 300+ merchant offers

Make every purchase sweeter with 300+ brand offers across dining, shopping, travel and more, all year long Explore all offers

Airport transfer discounts

Get attractive discounts on airport transfer limousine services across in over 3000 cities across 83 countries. Book now

Convenience at your fingertips

Convert payments into affordable EMIs

all transactions above ₹2,500 using our mobile banking app

Dynamic interest rates(APR)

starting at just 8.5% per annum

Interest-free* cash withdrawals

*Cash withdrawal fee of ₹199 + GST applicable per transaction

Activate UPI at just ₹199

  • Joining and Annual fee (2nd year onwards) of just ₹199 + GST
  • Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
  • Earn up to 3X reward points on your spends

Never-expiring reward points

10X Reward points

on incremental spends above ₹20,000 per statement cycle and spends done on your birthday.

3X Reward points

on spends till ₹20,000 in a statement cycle

1X Reward points

Insurance premium and utility bill payments earn 1X reward points.

10X Reward points

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 Reward points

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.

3X Reward Points

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.

Fees and charges

  • Joining and Annual Fees

    NIL

  • Interest rates /Annual Percentage Rate (APR)

    From 8.5% - 46.2% per annum

  • Forex Markup

    on international transactions

    1.5%

  • Cash Withdrawals

    Across domestic and international ATMs

    0% Interest for up to 45 days
    ₹199 + GST per transaction

  • For more details refer MITC

Get added benefits on Flight and Hotel bookings

Unlock amazing benefits with the IDFC FIRST Mobile Banking app

  • Say goodbye to convenience fees on all flight bookings (no conditions)
  • 20 bonus Reward Points for every ₹100 spent on hotel bookings
  • Exclusive deals enjoy attractive airfares and hotel prices

How to book your flights and hotels

  • Step 1

    Log into the IDFC FIRST Mobile App

  • Step 2

    Visit Travel and Shop

  • Step 3

    Click Hotels or Flight booking

Deals you cannot miss

Sweeter benefits await

Your go-to app for managing all your Credit Card needs

Install Now

Enjoy India’s #1 Mobile Banking App

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.

FinFIRST Blog

Learn all about credit cards

Maximise your luxury vacations with the FIRST Wealth Credit Card

Unlock up to 10X reward points, a low forex mark-up fee, and other travel perks with this premium lifetime-free card.

How to avoid credit card declines while traveling abroad

Important steps to take to prevent your credit card from getting declined when you travel abroad.

Flexibility of UPI with your IDFC FIRST Bank Credit Card

Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.

Answering all your questions

All

Fees and Card Usage

Redesigned Card

Benefits

Airport Lounge

International Helpline

CFAR

Golf Benefit

Credit Limit

Reward Points

Is there a Joining/ Membership/ Annual fee on the IDFC FIRST Wealth Credit Card?

There are no Joining/ Membership/ Annual fees applicable on the FIRST Wealth Credit Card.

What is the interest rate(APR) on my credit card?

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.

Can I use my Credit Card to withdraw cash at an ATM?

Yes, you can! All ATM cash withdrawals are completely interest-free for up to 45 days – in India or abroad. Please keep in mind, however, that a Cash Advance Fee of ₹199 + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

How do I generate my credit card PIN?

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

Will I be asked for my Credit Card PIN at every POS terminal, both domestic and 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.

What is the joining benefit offered by the FIRST Wealth Credit Card?

After activating the card, you must spend ₹5,000 or more within 30 days to be eligible for a ₹500 Gift Voucher from one of our partner brands. 

What are the offers available on the FIRST Wealth Credit Card?

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

What is the forex mark-up on the FIRST Wealth Credit Card?

The FIRST Wealth Credit Card offers one of the lowest forex markups in the industry at just 1.5%. Spend seamlessly while travelling abroad as well as on international purchases made from India.

Does the spend criteria also apply to railway lounge access?

No, there is no spend criteria applicable for railway lounge visits.

Can I avail complimentary airport lounge visits on the FIRST Wealth Credit Card?

Yes, the FIRST Wealth Credit Card offers:

-  2 complimentary visits per quarter to lounges and spas at domestic airport terminals in India.

-  2 complimentary visits per quarter to overseas lounge terminals.

The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.

You can also book airport lounge by clicking here. - https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/DREAMFOLKS-WEB-ACCESS-SOP.pdf

Do I need to spend ₹20,000 every month to activate my lounge benefits?

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.

I have utilized only one lounge visit this quarter and did not qualify in the previous month. Would I still be able to utilize my remaining lounge visits for the quarter?

You can utilize the remaining quota of lounge visits for the quarter by spending in the current month and avail the benefits in the last month of the quarter. There will be no carryover of the quarterly quota.

How do I know if I have activated my lounge benefit in any month?

a. You can check your lounge activation status on www.dreamfolks.in

b. IDFC FIRST Bank will inform customers via email in the first week of every month

How do I know if I am eligible for CFAR?

a. You will be eligible for CFAR if you have done at least 1 transaction on your IDFC FIRST Wealth Credit Card in the calendar month preceding the start of the policy period. For example, spends in June 2023 will make you eligible for the policy period 1st July 2023 to 30th April 2024.

b. IDFC FIRST Bank will inform all customers at the start of the policy

Will I have to transact every month to avail CFAR benefit?

Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.

If I have made a booking during the policy period and I cancel the booking after the policy period, can I still avail the CFAR benefit?

For availing the CFAR benefit, both bookings and cancellations must be made within the policy period.

Will I have to pay any additional amount for CFAR benefit?

CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.

Can I increase my coverage offered under CFAR?

As this is a complimentary benefit available to select customers, coverage will be applicable as per the specified terms and conditions.

What kind of flight tickets are eligible for claims under CFAR?

Both refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket will be reimbursed to you.

I have claimed up to ₹5,000 in my last two claims and have another ₹5,000 left in my cover, will you allow me to claim the same in my next claim?

You can make a CFAR claim only twice in a policy period. No further claims are covered.

Can I avail of complimentary golf benefits on the FIRST Wealth Credit Card?

Yes, the FIRST Wealth Credit Card offers:

-  Up to 2 complimentary golf rounds/lessons per month.

The golf benefit can be availed in the next calendar month on spending ₹20,000 or more in a statement cycle.

You can book a golf slot by clicking here 

T&Cs Apply

What will be my credit limit?

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.

Will I earn reward points for every spend?

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. 

Are there any exclusions for earning 10X reward points?

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.

How can I redeem the Reward Points that I have earned on my card?

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

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

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.

When will the reward points be credited?

The reward points will get credited upon statement generation.

Tell me more about the new design of the FIRST Wealth Credit Card.

Our new design is inspired by our customers, their journey, milestones, and memories. This new design is applicable only to new cards issued from December 24, 2024 onwards. The applicable privileges and benefits remain unchanged.

Please note: All existing FIRST Wealth Credit Cards will continue to be valid for use.

What is the movie offer on the FIRST Wealth Credit Card?

The FIRST Wealth Credit Card offers a Buy-One-Get-One deal on movie tickets purchased on the District app by Zomato, with a discount of up to ₹250 on the second ticket. The offer is valid twice a month.

How do I contact the Bank when I’m travelling outside India?

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152

Important documents

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