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IDFC FIRST Bank Wealth
Premium
Best for: Lifestyle
Joining Fee :
Free
Annual Fee :
Free
Issued by
IDFC First Bank
Powered by
Visa
Welcome Bonus
Travel
Fuel
Shopping
Cashback
Rewards
Insurance
Interest
Lounge
The IDFC FIRST Wealth Credit Card delivers premium perks including fuel surcharge waivers, travel benefits, insurance coverage, and airport and railway lounge access, alongside various premium category offers.
Features & Benefits
🎁 Welcome Bonus
• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
• 5% cashback up to ₹1,000 on the first EMI transaction done within 30 days of card issuance.
⭐ Reward Points
• 10X reward points on all spends above ₹30,000.
• 10X reward points on all spends done on your birthday.
• For all online spends, earn 6X reward points.
• For all offline spends, earn 3X reward points.
• Earn 1X reward point for every ₹100 spent.
• Reward Rate: 0.75% to 2.5%
⛽ Fuel Surcharge
• 1% fuel surcharge waiver at all fuel stations across India up to ₹400/month.
✈️ Travel Benefit
• Exclusive discounts on airport immigration service at over 450 destinations worldwide.
• Discounts on limousine services for airport transfers in more than 3000 cities globally.
• Access to 900+ luxury hotels around the world with premium benefits.
• Roadside assistance worth ₹1,399 all over India up to 4 times annually.
🏢 Lounge Access
• 4 free access to the Domestic & International airport lounges every quarter.
• 4 free access to spas and railway lounges every quarter.
🛡 Insurance Benefit
• Air accident cover of ₹1 crore.
• Personal accident covers of ₹10 lakhs.
• Lost card liability covers of ₹50,000.
• Comprehensive Travel Insurance of $1,200.
• Note: Travel insurance is valid if there is at least one transaction in the last 30 days via card.
🍽 Dining Benefit
• Dining discount of up to 20% at over 1500 restaurants.
🎟 Concierge Services
• Enjoy the 24/7 Concierge Services to self-book dining, staycation, flights and activities.
• Whatsapp at this number (+91)(0) 0008 00050 4254 Or visit https://www.concierge-asia.visa.com.
💳 EMI Benefit
• Convert transactions of ₹2,500 or more into easy EMI.
🔹 Other Benefit
• Low Forex Markup charges at 1.5% on all International transactions.
• Monthly 2 complimentary Golf rounds on a monthly statement of ₹20,000 or more.
• 15% discount at 3000+ health & wellness centres.
• Buy 1 get 1 offer on movie tickets up to ₹500.
• Note: The movie offer is valid only on the Paytm app twice a month.
Joining Fee
Free
Annual Percentage Rate
42.00%
Foreign Transaction Fee
1.50%
Annual Fee
Free
Minimum Repayment Amount
5%
Over Limit Penalty
2.5%
Add-on Card Fee
Free
Cash Withdrawal Fee
₹199
Fuel Surcharge
1%
Card Replacement Fee
₹100
Cash Advance Limit
NA
Reward Point Value
₹0.25
Fees & Charges
Pros
1. The card offers various Insurance covers.
2. The card gives a 1% Fuel Surcharge Waiver on all petrol pumps.
3. It comes with exclusive travel benefits like access to airport/railway lounges.
4. It allows users to earn reward points on all purchases.
5. “BOGO” offer on movie tickets.
Cons
1. Partial loss & damage is not covered under the travel insurance.
2. The zero-card liability does not cover any loss due to data breaching or server hacking.
3. Reward points cannot be earned on fuel transactions.
4. There is a ₹ 99 convenience fee associated with redeeming reward points.
Eligibility
• Age: 21–65 years
• Credit Score: 750+
• Must have steady source of income
Documents Required
1. Proof of Identity (any government-approved photo ID): PAN Card, Aadhaar card, Driver's License, Passport, Voter's ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, or Letters issued by UIDAI
2. Proof of Address: Aadhaar card, Driver's License, Passport, recent Utility Bill (within 3 months), Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, or Bank Account Statement
3. Proof of Income: Recent salary slips (within 3 months), latest Form 16, and last 3 months' bank statement