LIFETIME FREE Visa, Mastercard 📡 Contactless NFC

IDFC FIRST Wealth Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 1.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

High-income earners and affluent travelers looking for an unconditionally Lifetime Free premium card offering 16 domestic + 16 international lounge visits, low 1.5% forex markup, and BOGO movie tickets.

Who Should Avoid

Users who cannot meet the ₹20,000 monthly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Gift voucher worth ₹500 across leading brands on spending ₹15,000 within 90 days + 5% cashback on first EMI transaction

4 Domestic & 4 International Lounge Visits / Quarter

4 complimentary domestic and 4 international airport lounge visits per calendar quarter via DreamFolks (on min ₹20,000 monthly spend).

Low 1.5% Forex Markup

Low foreign currency markup fee of 1.5% on international retail transactions worldwide.

BOGO Movie Tickets up to ₹500

Buy 1 Get 1 free on movie tickets via District by Zomato (up to ₹500 off on second ticket twice a month, saving ₹1,000/mo).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

3 Reward Points per ₹150 spent on regular offline retail up to ₹20,000 (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10X Reward Points (10 points per ₹150, 1.67% return) on incremental monthly spends above ₹20,000 and birthday spends; 6X points on online shopping up to ₹20,000; Buy 1 Get 1 free on movie tickets via District (up to ₹500 off twice a month, saving ₹1,000/mo); 2 complimentary golf rounds/month (1 round per ₹50k monthly spend)

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Instant Point Checkout at 100+ Online Merchants (1 RP = ₹0.25), IDFC FIRST Rewards Portal (Flight & Hotel Bookings at 1 RP = ₹0.25), Brand Gift Vouchers & Products

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Insurance Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits4 complimentary domestic airport lounge visits per calendar quarter (16 visits/year)

🌐

International Lounge Visits4 complimentary international airport lounge visits per calendar quarter (16 visits/year) via DreamFolks

⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and zero annual renewal fees

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 (Capped at ₹300/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹100,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):0.75% to 3.75% per month (9.0% to 45.0% per annum dynamic APR)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

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Lifetime Free Card • Zero Annual Maintenance Charges

Personalized Card Matcher

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Frequently Asked Questions

Yes, the IDFC FIRST Wealth Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.