FIRST Wealth Credit Card

Name: FIRST Wealth Credit Card
Brand: IDFC First Bank

IDFC First Bank•VisaPremiumActive

Official Page ↗

Highlights

Base reward rate: 0.5% return (3 pts per ₹150)
Domestic Lounge: 4 visits/quarter via Visa Lounge Program
International Lounge: ? visits/year via Priority Pass
Movie Offers: Buy 1 Get 1 free ticket up to ₹500, twice monthly.

Welcome / Joining Benefit

Lifetime Free Credit Card.

Points Expiry

Points never expire (Lifetime valid).

Joining Fee

LIFETIME FREE

Annual Fee

LIFETIME FREE

Renewal Fee

LIFETIME FREE

Joining Fee Waiver

Lifetime Free Credit Card.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSalaried, Self-Employed

Additional Details

Requires monthly net income > ₹1.5 Lakhs or active relation.

Forex markup: 0%

Base Reward Rate

Points per Spend

3 pts

Per Every

₹150

Effective Return

0.5%

Currency: FIRST Reward Points — 1 point ≈ ₹0.25

Accelerated & Special Rates

10X rewards on spends above ₹20,000 in a billing cycle (excludes utilities/insurance/rent/education/EMI).

3.33X

1.67% return

10X rewards on all incremental international spends.

3.33X

1.67% return

❌ No Points Earned On:

FuelWallet LoadRentEMI

Movie & Entertainment

PlatformBookMyShow

Buy 1 Get 1 free ticket up to ₹500, twice monthly.

Monthly cap: ₹1,000

🛫 Domestic Lounge Access

ProgramVisa Lounge Program

Visits4 per quarter

Guest AccessNo

Unlock CriteriaSpend ₹20,000 in Previous calendar month

🌏 International Lounge Access

ProgramPriority Pass

Guest AccessNo

Unlock CriteriaSpend ₹20,000 in Previous calendar month

Redemption Options

IDFC FIRST Rewards

Smart Redemption Tips

🏆 Best value: Cashback at ₹1.00/pt — maximize your returns here.

🪙 Reward currency: IDFC FIRST Rewards

Best Value

💰Cashback

Direct cashback adjustment against statement (high flexibility redemption)

₹1.00/pt

🎁Gift Voucher

Vouchers via IDFC Rewards marketplace

₹0.50/pt

✈️Travel Portal

Flights and hotels via travel redemption portal

₹0.50/pt

Points Transfer Partners

Total: 0 partners

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