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Eligibility* : Annual income of ₹ 36 Lacs or more
A lifetime-free Credit Card crafted for those who appreciate the finer things in life. It comes packed with travel benefits such as complimentary domestic & international airport lounge access, low forex mark-up.
What’s more? The FIRST Wealth Credit Card offers up to 10X Reward Points, year-round offers on 300+ brands, and a buy-one-get-one movie ticket offer!
*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.
Some of the Credit Card features have been revised, effective 1st May 2024. To view the list of revised features, Click here.
Unlimited & never expiring Reward Points
1X Reward Points on Insurance premium and Utility bill payments
Use Reward points to instantly pay for online or in-store purchases
3X Reward Points on rental and property management transactions
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Categories not included in the 10X Reward Points threshold: Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load.
Reward Points program not applicable on fuel, EMI transactions, & cash withdrawals.
Reward redemption will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption.
Welcome voucher worth ₹500 on spending ₹5000 or more within 30 days of card generation.
5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
Joining benefits are not applicable on upgrade of credit card and add-on cards.
'Buy One, Get One' offer on movie tickets up to ₹250 on Paytm mobile app (valid twice per month)
300+ Brand Offers, All year long! | Up to 20% discount at 1500+ restaurants | Check it out
2 complimentary domestic airport lounge and spa visits and 2 complimentary overseas airport lounge visits per quarter, on spending ₹20,000 every month.
a.List of eligible lounges and spas
b.Check number of available visits: Click here
c.Lounge pre-booking process: For Lounges which require a Pre-book, please call on 1800-1234-109 or you can send an email to helpdesk@dreamfolks.in
Up to 2 complimentary golf rounds per month activated post ₹20,000 monthly spends
Cancellation For Any Reason (CFAR) insurance: Cancellation cover for up to 2 claims up to ₹10,000, will be available for hotel and flight booking cancellations. Click here for details
4 Complimentary Railway Lounge visits per quarter
Airport Meet & Greet - Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide. Click here
Airport Transfers - Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries. Click here
Concierge - This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities. Click here
Luxury Hotel Collection – 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. Click here
Complimentary Roadside Assistance worth ₹1,399
1% Fuel Surcharge Waiver up to ₹400 p.m. at all fuel stations across India on transaction values between ₹200 & ₹5000
Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10,00,000 and Lost Card Liability Cover of ₹50,000. Valid on doing at least one transaction on FIRST Wealth Credit Card in last 30 days
Comprehensive Travel Insurance Cover of 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
Convert all transactions* above ₹2,500 into easy & convenient EMIs on your mobile app
Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
*Eligibility norms apply
Zero Joining Fee and Annual Fee
Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)
Low Forex Markup of 1.5% on international transactions
Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
Interest free cash withdrawals on domestic and international ATMs for up to 48 days (Cash Advance Fee of only ₹199 + GST per transaction)
OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550
Reward Redemption Fee of ₹99 + GST will be applicable per redemption transaction
Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
Utility Payments Surcharge – Payments over ₹20,000 towards utilities (Electricity, Gas, Telecom, etc.) in a statement cycle will attract 1% surcharge on all spends on utilities
Explore our various online credit card payment options.
View your standing instructions (recurring payments) set at various merchants here and modify/ cancel them effortlessly.
Now convert your outstanding balance into easy EMI with flexible tenure of 3 - 18 months
There are no Joining/ Membership/ Annual fees applicable on the IDFC FIRST Bank Wealth Credit Card.
You can directly use your Reward Points to pay for online purchases 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 idfcfirstrewards.poshvine.com.
There is no expiry date on the Reward Points accrued on your IDFC FIRST Select Credit Card. You can use your Reward Points whenever you want, without the fear of losing them.
The IDFC FIRST Bank 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, you can visit the offers website
Yes, you can! All ATM cash withdrawals are totally interest-free for up to 48 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.
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.
IDFC FIRST Bank customer care number is 18605001111.
You can activate your complimentary lounge visits in the next calendar month by spending a minimum of ₹20,000 in the current calendar month. Once your lounge benefits have been activated, use your Credit Card or the Dreamfolks Card at the airport lounge/spa counter.
For e.g., Meet spend criteria between 1st to 31st Jan 2024. Benefit activated for Feb-2024.
The total number of lounge/Spa visits (4 visits) are allocated on a quarterly basis. If you have used only 2 out of the 4 visits in a quarter, the remaining visits CAN NOT be carried over to the next quarter and will relapse.
You can check your lounge activation status on www.dreamfolks.in .
To know more about the process to check the status, please visit our website > Credit cards > First Wealth Product Page > benefits & Privileges > Privileges
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 e.g., spends in June 2023 will make you eligible for policy period 1st July 2023 till 30th April 2024.
b. IDFC FIRST Bank will intimate all customers at the start of the policy
Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.
For availing the CFAR benefit, both bookings and cancellations must be within the policy period.
CFAR is a complimentary benefit offered to select IDFC FIRST Credit cardholders basis qualification criteria. No additional payment will be charged for the same.
Offer coverage cannot be increased. As this is a complimentary benefit available to the customers, coverage shall be applicable as per the specified terms & conditions.
Refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket shall be reimbursed to you.
You can claim only twice in a policy period. No further claims are covered.