IDFC FIRST Wealth is best for high spenders who want premium perks without a fee. Lifetime free premium card.
Effective value back per ₹100 spent. Reward points valued at ₹0.25 each; since January 2026 points are earned per ₹200 (was ₹150). Points never expire.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹1,995 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹2,505 |
| Frequent traveller ₹8,04,000/yr spend | ₹6,195 |
| Family & groceries ₹5,88,000/yr spend | ₹3,690 |
Domestic and international lounge access with ₹20,000 monthly spend
Improvement IDFC FIRST Bank
The planned 26 October 2026 withdrawal of reward points on international transactions is cancelled. Cards keep zero forex markup and earn reward points or cashback on international spends as per their features.
IDFC FIRST Millennia · IDFC FIRST Wealth · IDFC FIRST Select · Source
Improvement IDFC FIRST Bank
All existing and new IDFC FIRST credit cards charge no forex markup from 9 September 2026. The bank initially said most cards would stop earning points on international spends from 26 October 2026, but withdrew that; its 17 September press release says rewards continue.
Devaluation IDFC FIRST Bank
Lifetime free cards earn points per ₹200 instead of ₹150. Lounge access needs ₹20,000 monthly spend.
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The IDFC FIRST Wealth credit card is lifetime free, with no joining or annual fee.
The IDFC FIRST Wealth card is best for: high spenders who want premium perks without a fee. Its main strengths are: lifetime free premium card; zero forex markup on international spends (from september 2026). Its main drawback: reward earn rate cut by 25% in january 2026.
The IDFC FIRST Wealth card charges a 0% forex markup on international transactions.
Yes: Domestic and international lounge access with ₹20,000 monthly spend. Banks often attach spend conditions to lounge access, so check the latest terms.