Top benefits
Lifetime free
No joining fee and no annual fee for the FIRST Wealth Credit Card.
Reward multipliers
3X reward points on spends up to Rs.20,000 in a statement cycle and 10X on incremental eligible spends above Rs.20,000 and birthday spends.
Low forex markup
1.5% forex markup on international transactions.
Airport lounge access
2 domestic and 2 global lounge visits per quarter, subject to monthly spend criteria.
Travel bonus rewards
Bonus reward points on flight and hotel bookings through the IDFC FIRST Mobile App rewards gallery.
Interest-free cash withdrawal
Interest-free cash withdrawals for up to 45 days, with Rs.199 plus GST per transaction.
Common questions
Is the FIRST Wealth Credit Card lifetime free?
Yes. IDFC FIRST Bank states that the card has no joining fee and no annual fee.
What is the forex markup?
The card has a 1.5% forex markup on international transactions.
How does lounge access work?
The issuer lists 2 domestic and 2 global lounge visits per quarter, subject to the stated monthly spend requirement.