Apply for IDFC FIRST Wealth Credit Card - 10x Rewards

Overview about the IDFC FIRST Bank Wealth Credit Card

The IDFC FIRST Bank Wealth Credit Card is a premium, lifetime-free credit card designed for high-income earners, offering a range of exclusive benefits and privileges. With an annual income eligibility of ₹36 lakh and a monthly income requirement of at least ₹25,000, this card caters to the needs of high-net-worth individuals seeking a luxurious and convenient banking experience.

IDFC FIRST Bank's commitment to providing its customers with top-notch services is evident in the card's robust rewards programme, comprehensive insurance covers, and various lifestyle benefits. These features are tailored to enhance everyday spending, travel, and leisure activities, making the IDFC FIRST Bank Wealth Credit Card an attractive option for those seeking a premium credit card experience without the burden of annual fees.

Benefits & Features of the IDFC FIRST Bank Wealth Credit Card

The IDFC FIRST Bank Wealth Credit Card offers various benefits and features for the best experience.

Welcome Benefits

New cardholders receive gift vouchers worth ₹500 on spending ₹15,000 within 90 days of card setup.
Earn 5% cashback (up to ₹1,000) on your first EMI transaction within 90 days of card setup.

Other Benefits

The IDFC FIRST Bank Wealth Credit Card offers a range of benefits for cardholders with diverse spending habits.

Rewards Programme:
- Earn 3x reward points on online and offline purchases up to ₹20,000 per month.
- Earn 10x reward points on incremental spends above ₹20,000 per month and on birthday spends.
- Earn 3x reward points on rental and property management transactions, education, wallet load, and government services.
- Earn 1x reward points on utility bill payments and insurance spends.
Lounge Access:
- Enjoy 4 complimentary domestic airport lounge and spa visits per quarter.
- Get 2 complimentary visits to international airport lounges per quarter, subject to spending ₹20,000 in the previous month.
Insurance Covers:
- Air Accident Cover of ₹1 crore.
- Personal Accident Cover of ₹10,00,000.
- Lost Card Liability Cover of ₹50,000.
- Comprehensive Travel Insurance Cover of USD 1200.
- Trip cancellation for any reason (CFAR) insurance for 2 claims up to ₹10,000.
Fuel Benefits:
- 1% fuel surcharge waiver at all fuel stations across India, up to ₹400 per month on transaction values between ₹200 and ₹5,000.
EMI Conversion:
- Convert transactions of ₹2,500 or more into easy EMIs.
Lifestyle Benefits:
- 'Buy one, get one' offer on movie tickets up to ₹250 on the Paytm mobile app, valid twice per month.
- Up to 20% discount at 1,500+ restaurants.
- Up to 15% discount at 3,000+ Health and Wellness outlets.
- 2 complimentary golf rounds per month for every ₹20,000 of monthly statement spends.
Financial Benefits:
- Low forex markup fee of 1.5%.
- Interest-free cash withdrawal for up to 48 days, though this should be used only in emergencies due to associated charges.
Additional Features:
- Reward points never expire and can be redeemed for a wide range of options, including travel, shopping, and more.

Key Highlights of the IDFC FIRST Bank Wealth Credit Card

The IDFC FIRST Bank Wealth Credit Card is a premium offering that caters to the financial needs and lifestyle aspirations of high-earning individuals. This card stands out with its unique blend of rewards, benefits, and convenience.

Some of the key highlights of the IDFC FIRST Bank Wealth Credit Card include:

Lifetime Free Membership:

Enjoy the perks of a premium credit card without worrying about joining or annual fees.

Rewarding Points System:

Earn 3x reward points on online and offline purchases up to Rs. 20,000 per month and an impressive 10x reward points on spends above Rs. 20,000. Plus, get 10x reward points on your birthday spends. The best part? Your reward points never expire.

Welcome Benefits:

Get a head start with gift vouchers worth Rs. 500 when you spend Rs. 15,000 within the first 90 days of card setup. Additionally, enjoy a 5% cashback on your first EMI transaction within 90 days.

Travel and Lifestyle Perks:

Indulge in complimentary domestic and international airport lounge visits, spa treatments, and rounds of golf, all courtesy of your IDFC FIRST Bank Wealth Credit Card.

Fees and Charges of the IDFC FIRST Bank Wealth Credit Card

While the IDFC FIRST Bank Wealth Credit Card boasts no annual or joining fees, it's crucial to be aware of the other costs that come with using this premium card.

Here's a breakdown of the fees and charges:

Fee Type	Amount
Joining Fee	Free
Annual Fee	Free
Cash Withdrawal Fee	Rs. 199 per transaction
Card Replacement Fee	Rs. 100
Foreign Transaction Fee	1.5% of transaction amount
Utility Bill Payment Surcharge	1% of transaction value above Rs. 20,000
Rent Payment Fee	Rs. 249 or 1% (whichever is higher)
Over Limit Penalty	2.50% of the amount due
Minimum Repayment Amount	5% of total amount due

Understanding these fees and charges is essential for managing your credit card effectively. Now, let's explore the eligibility criteria for obtaining the IDFC FIRST Bank Wealth Credit Card.

Eligibility of the IDFC FIRST Bank Wealth Credit Card

To be eligible for the IDFC FIRST Bank Wealth Credit Card, applicants must meet certain criteria set by the bank. These requirements ensure that the card is issued to individuals who have strong financial standing and can responsibly manage a premium credit card.

The eligibility criteria for the IDFC FIRST Bank Wealth Credit Card are as follows:

Criteria	Requirement
Age	21 to 65 years old
Income	Salaried: Rs. 10 lakh per annum minimum
	Self-Employed: Rs. 15 lakh per annum minimum
Credit Score	Above 750
Citizenship	Indian citizen or NRI

IDFC FIRST Bank Wealth Credit Card Activation Process

Activating your IDFC FIRST Bank Wealth Credit Card is a simple and convenient process that can be done through various methods.

Using IDFC FIRST Bank App:
- Download the app and log in to your account.
- Navigate to the 'Manage Card' option in the Credit Card section.
- Follow the prompts to activate your card.
Calling Customer Care:
- Call the 24-hour helpline number 1860 500 1111 and follow the instructions provided by the customer care representative.

Remember to activate your card within 30 days of issuance to avoid account closure, as per RBI guidelines. Additionally, generate a 4-digit PIN for offline transactions at POS machines and ATMs, which can be done through the app, ATM, or by calling customer care.

How to Redeem the Points

The IDFC FIRST Bank Wealth Credit Card offers a comprehensive reward points system that allows you to redeem your points in several ways, making it a valuable addition to your wallet.

Step 1: Go to the IDFC FIRST Bank reward redemption portal (https://idfcfirstrewards.poshvine.com/) and log in to your account.
Step 2: Click on Redeem Points below the reward point balance to start the redemption process.
Step 3: Choose a brand from the list shown.
Step 4: Click on Add to Cart after you select the gift voucher to purchase.
Step 5: Enter the value and number of vouchers you want to purchase.
Step 6: Click on Proceed.
Step 7: On the next page, enter the delivery details of your voucher.

Also, you can instantly pay for online or in-store purchases using your reward points through the IDFC FIRST Bank mobile app or net banking portal, making your shopping experience more rewarding.