IDFC FIRST Wealth Credit Card
Best for: high earners who want a lifetime free premium card with a 1.5% forex markup and spend-based lounge access.
Why it ranks
- No joining or annual fee, with no spend condition
- Low 1.5% forex markup alongside international lounge access
- Reward Points do not expire
What holds it back
- Needs ₹36 lakh annual income
- Lounge and golf benefits need ₹20,000 monthly spend
- Reward base was cut to ₹200 per point in January 2026
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The FIRST Wealth is IDFC FIRST Bank's lifetime free premium card for people earning ₹36 lakh a year or more. It pairs a 1.5% forex markup with 10X Reward Points on monthly spends above ₹20,000, and lounge and golf access that unlock with spending.
IDFC FIRST Wealth Credit Card at a glance
| Issuer | IDFC FIRST Bank |
| Card network | Visa Infinite |
| Annual fee | Lifetime free |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 10X Reward Points on monthly spends above ₹20,000 and 3X up to ₹20,000 (1X = 1 point per ₹200 from 18 January 2026); 1X on FASTag and railway spends; 33% bonus points on hotel and 13% on flight bookings in the IDFC FIRST Bank app |
| Intro APR | None |
| Regular APR | From 8.5% a year, depending on credit profile; see issuer for your rate |
| Foreign transaction fee | 1.5% forex markup |
| Airport lounge access | 1 domestic and 1 international airport lounge visit a quarter, unlocked by spending ₹20,000 in the previous calendar month (from 1 April 2026) |
| Credit needed | Annual income of ₹36 lakh or more |
| Best for | High earners who want a free premium card with lounge, golf and a 1.5% forex markup |
Key features
- 1 domestic and 1 international airport lounge visit a quarter on ₹20,000 monthly spend
- 1 golf round or lesson a quarter on ₹20,000 spend in a statement cycle
- 1.5% forex markup on international spends
- Buy one get one movie offer
- Trip cancellation cover up to ₹10,000
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: idfcfirst.bank.in · idfcfirst.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | IFIDFC FIRST BankIDFC FIRST WealthNo annual fee · IN IDFC FIRST Wealth Credit CardHigh earners who want a free premium card with lounge, golf and a 1.5% forex markup |
None | 10X Reward Points on monthly spends above ₹20,000 and 3X up to ₹20,000 (1X = 1 p… | See issuer for the current offer | 1.5% forex markup | Annual income of ₹36 lakh or mor… | |
| 2 | HHDFC BankHDFC Infinia Metal Edition₹12,500/yr · IN HDFC Infinia Credit Card (Metal Edition)High-net-worth spenders who want top-tier travel and luxury perks |
₹12,500/yr | 3.3% base value, up to 33% on SmartBuy bookings | 12,500 bonus Reward Points on fee payment | 2% markup on foreign curre… | Excellent | |
| 3 | HHDFC BankHDFC Diners Club Black Metal₹10,000/yr · IN HDFC Diners Club Black Metal Credit CardFrequent flyers who want luxury perks on the Diners network |
₹10,000/yr | 3.3% base, up to 33% via SmartBuy | Club Marriott, Amazon Prime and Swiggy One (3 months) on spe… | 2% markup on foreign curre… | Excellent | |
| 4 | AAxis BankMagnus₹12,500/yr · IN Axis Bank Magnus Credit CardPoints maximizers who transfer rewards to airline miles |
₹12,500/yr | Around 4.8% base value, higher via partner transfers | Large bonus EDGE Points or voucher on spend milestone | 2% markup on foreign curre… | Excellent |
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