IDFC FIRST Bank

VISA

FIRST Wealth

IDFC FIRST Bank FIRST Wealth

A lifetime-free, high-income-only Visa Infinite card with airport lounge access, golf and one of the lowest forex markups in India.

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Last reviewed 13 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: No joining or annual fee, for life

Eligibility

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed, business owner

Rewards

travel10x points

all other1.5x points

Welcome benefits

• ₹500 gift voucher on spend of ₹5,000 within 30 days of card issuance

Perks

✓Domestic lounge access: 8/yr2 complimentary visits per quarter via Visa; requires ₹20,000 spend in the preceding calendar month
✓International lounge access: 8/yr2 complimentary visits per quarter via Dreamfolks; requires ₹20,000 spend in the preceding calendar month
✓Fuel surcharge waiver: 1%Capped at ₹400/month
✓Forex markup: 1.5%
✓Concierge service
✓Up to 2 complimentary rounds per month at select courses, on ₹20,000-₹40,000 monthly spend
✓Air accident death cover: ₹1 crore
✓Personal accident cover: ₹10 lakh
✓Lost card liability cover: ₹50,000
✓Trip cancellation cover: up to ₹10,000
✓4 complimentary domestic railway lounge visits per quarter
✓BookMyShow movie-ticket discounts via Visa Infinite
✓24/7 concierge for travel, dining and lifestyle requests
✓Reward points never expire while the card is active
✓₹99 + GST convenience charge applies per reward redemption

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Wealth?: The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee, for life
What are the reward rates on the IDFC FIRST Bank FIRST Wealth?: IDFC FIRST Bank FIRST Wealth earns 10x points on travel, 1.5x points on all other spends.
Does the IDFC FIRST Bank FIRST Wealth offer airport lounge access?: Yes: 8 domestic lounge visits per year (2 complimentary visits per quarter via Visa; requires ₹20,000 spend in the preceding calendar month) and 8 international lounge visits per year (2 complimentary visits per quarter via Dreamfolks; requires ₹20,000 spend in the preceding calendar month).
Who is eligible for the IDFC FIRST Bank FIRST Wealth?: Applicants typically need a minimum annual income of ₹36,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

TravelBest rate

₹

10x points

Everything else

₹

1.5x points

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

CompareView details →

Annual fee

₹10,000

Up to

2x points

CompareView details →

Annual fee

₹5,000

Up to

2x points

CompareView details →

Perks

✓Domestic lounge access: 8/yr2 complimentary visits per quarter via Visa; requires ₹20,000 spend in the preceding calendar month

✓International lounge access: 8/yr2 complimentary visits per quarter via Dreamfolks; requires ₹20,000 spend in the preceding calendar month

✓Fuel surcharge waiver: 1%Capped at ₹400/month

✓Forex markup: 1.5%

✓Concierge service

✓Up to 2 complimentary rounds per month at select courses, on ₹20,000-₹40,000 monthly spend

✓Air accident death cover: ₹1 crore

✓Personal accident cover: ₹10 lakh

✓Lost card liability cover: ₹50,000

✓Trip cancellation cover: up to ₹10,000

✓4 complimentary domestic railway lounge visits per quarter

✓BookMyShow movie-ticket discounts via Visa Infinite

✓24/7 concierge for travel, dining and lifestyle requests

✓Reward points never expire while the card is active

✓₹99 + GST convenience charge applies per reward redemption

Common questions

What is the annual fee on the IDFC FIRST Bank FIRST Wealth?

The joining fee is ₹0. The annual fee is ₹0. No joining or annual fee, for life

What are the reward rates on the IDFC FIRST Bank FIRST Wealth?

IDFC FIRST Bank FIRST Wealth earns 10x points on travel, 1.5x points on all other spends.

Does the IDFC FIRST Bank FIRST Wealth offer airport lounge access?

Yes: 8 domestic lounge visits per year (2 complimentary visits per quarter via Visa; requires ₹20,000 spend in the preceding calendar month) and 8 international lounge visits per year (2 complimentary visits per quarter via Dreamfolks; requires ₹20,000 spend in the preceding calendar month).

Who is eligible for the IDFC FIRST Bank FIRST Wealth?

Applicants typically need a minimum annual income of ₹36,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by IDFC FIRST Bank and can vary by application.

IDFC FIRST Bank FIRST Wealth

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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IDFC FIRST Bank FIRST Wealth

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Eligibility

Rewards

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Common questions

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