All cards / IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
A lifetime-free Visa Infinite card that punches well above its zero fee — sub-2% forex, airport lounges, quarterly golf and ₹1 crore air accident cover — but the very high income bar puts it out of reach for most applicants.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.375%
Card network
Visa
Card tier
Super-premium
Reward rates by category
- Dining1.25%
- Travel1.25%
- Utilities0.125%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹3,00,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- ₹500 worth of vouchers on ₹5,000 spend within 30 days of card generation
- 5% cashback (up to ₹1,000) on the value of the first EMI transaction made within 30 days of card generation
- Complimentary access to global and Indian airport lounges
- Complimentary golf round/lesson every quarter (unlocked by spending over ₹20,000 in the statement cycle); Buy 1 Get 1 movie tickets; up to 15% off at 3,000+ health & wellness outlets; up to 20% dining discount across 1,500+ restaurants
- Air accident cover of ₹1 crore, travel insurance, free trip cancellation cover up to ₹10,000, and complimentary roadside assistance worth ₹1,399
- Visa Infinite concierge for self-booking dining, staycations, flights and activities
- Low 1.5% forex markup, well below the typical 3.5% industry rate
- Interest-free ATM cash withdrawal for up to 45 days
Pros
- + Zero joining/annual fee despite Visa Infinite-tier benefits
- + Low 1.5% forex markup for international travel
- + Strong travel insurance and golf/lounge privileges
Cons
- − Very high income eligibility (~₹36L/year)
- − Lounge visit count and some perks require an active app/spend threshold not spelled out in rupee terms
Applying takes you to IDFC FIRST Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.