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 | ₹5,745 |
| Family & groceries ₹5,88,000/yr spend | ₹3,690 |
Domestic and international lounge access with ₹20,000 monthly spend
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.