The IDFC FIRST Wealth Credit Card was once one of the best lifetime free credit cards in India. It offered good rewards, airport lounge access, golf benefits, and a zero forex markup without any annual fee.
Over the years, the card has seen several devaluations. Rewards have been reduced and some benefits are not as generous as before. As a result, it no longer feels like a true premium credit card.
That said, the card still offers domestic and international airport lounge access, railway lounge access, travel insurance, and Visa Infinite benefits. The recent removal of the spending requirement for 10X rewards is also a positive change.
So, is the IDFC FIRST Wealth Credit Card still worth getting in 2026?
In this review, we look at its rewards, lounge access, fees, benefits, drawbacks, and how it compares with other popular credit cards.
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Follow Card MavenIDFC FIRST Wealth Credit Card At a Glance
| Feature | Details |
|---|---|
| Annual Fee | Nil |
| Best For | Travel Benefits |
| Forex Markup | Zero |
| Lounge Access | Yes |
| Railway Lounge | Yes |
| Reward Rate | Up to 1.25% |
| Network | Visa Infinite |
Fees
The IDFC FIRST Wealth Credit Card is offered lifetime free, with no joining fee and no annual fee. It is one of the few premium Visa Infinite credit cards in India that comes without any recurring charges.
| Feature | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Card Variant | Visa Infinite |
| Welcome Benefit | ₹500 voucher on spending ₹5000 within 30 days of card generation |
| Additional Welcome Benefit | 5% cashback up to ₹1000 on the first EMI transaction within 30 days of card generation |
| Forex Markup | Zero |
The card offers airport lounge access, railway lounge access, travel insurance, roadside assistance, golf benefits, and Visa Infinite privileges. While the rewards program has been devalued over the years, it remains one of the better lifetime free credit cards for frequent travellers.
IDFC FIRST Wealth Credit Card Rewards
| Spend Category | Reward Rate | Approx. Return |
|---|---|---|
| Dining, Travel, International & Birthday Spends | 10 RP per ₹200 | ~1.25% |
| Regular Online & Offline Spends | 3 RP per ₹200 | ~0.38% |
| Insurance & Utility Payments | 1 RP per ₹200 | ~0.13% |
| Rent, Education, Wallet & Government Payments | 3 RP per ₹200 | ~0.38% |
| Fuel & EMI Transactions | No Rewards | 0% |
*Birthday rewards are not applicable on rent, education, wallet loads, government payments, insurance, utilities, fuel, and EMI transactions.
The earlier ₹20,000 monthly spend requirement for accelerated rewards has been removed. Eligible dining, travel, international, and birthday spends now earn 10 RP per ₹150 from the first transaction itself.
The card delivers around 0.38% returns on regular spending and up to 1.25% returns on accelerated categories. While the rewards program has seen multiple devaluations, the card still offers decent value considering it remains lifetime free.
IDFC FIRST Wealth Credit Card Lounge Access
| Benefit | Access |
|---|---|
| Domestic Airport Lounge | 1 visit per quarter |
| International Airport Lounge | 1 visit per quarter |
| Railway Lounge | 4 visits per quarter |
You must spend at least ₹20,000 in the previous month to unlock these lounge benefits.
While the lounge benefits have been reduced over the years, the card still offers a useful mix of domestic airport, international airport, and railway lounge access without charging any annual fee. For occasional travellers, this remains one of the better lounge access packages among lifetime free credit cards.
IDFC FIRST Wealth Credit Card Movie Offer
The IDFC FIRST Wealth Credit Card offers a Buy One Get One (BOGO) movie ticket benefit through the District app by Zomato.
| Benefit | Details |
|---|---|
| Offer Type | Buy One Get One (BOGO) |
| Discount | Up to ₹250 on the second ticket |
| Frequency | Twice per calendar month |
| Platform | District by Zomato |
| Spend Requirement | ₹20,000 in the current calendar month to unlock the benefit in the next month |
If you regularly watch movies, the benefit can save up to ₹500 per month. However, unlike earlier versions of the offer, the movie benefit is now linked to a spending requirement.
Key Benefits
- Foreign Currency Mark Up: 1.5%+GST
- Complimentary Roadside Assistance up to 4 times per year
- Fuel Surcharge Waiver: 1% waiver up to Rs 400 per month. This is valid on transactions from Rs 200 to Rs 5000.
Do check out the T&C of these offers to see more detail. The IDFC FIRST Wealth Credit Card includes complimentary roadside assistance (RSA) up to 4 times per year. Cardholders can get help with services such as towing, battery jump-start, flat tyre support, fuel delivery, and emergency breakdown assistance. It is a useful benefit that can save both time and money during unexpected vehicle emergencies.
Golf Benefits
The IDFC FIRST Wealth Credit Card offers complimentary golf benefits for eligible cardholders. You can get up to 2 complimentary golf rounds per month by spending at least ₹20,000 in the previous month’s statement cycle.
This benefit adds value for golf enthusiasts and is a useful perk on a lifetime free credit card. Be sure to check the latest booking terms, participating golf courses, and eligibility conditions before availing the benefit.
Reward Points Redemption
Reward Points earned on the IDFC FIRST Wealth Credit Card can be redeemed against purchases, travel bookings, and gift vouchers from popular brands such as Amazon, Flipkart, Myntra, and BigBasket.
| Feature | Details |
|---|---|
| Reward Point Value | Up to ₹0.25 per point |
| Redemption Options | Purchases, travel bookings, gift vouchers, and more |
| Reward Point Validity | 24 months from the statement date in which they are earned |
| Redemption Fee | ₹99 + GST per redemption request |
The card offers a decent redemption value of up to ₹0.25 per reward point. However, reward points are no longer valid forever and now expire after 24 months. It is a good idea to redeem your points periodically instead of letting them accumulate for too long.
IDFC First Wealth Credit Card Pros & Cons
Pros
- Lifetime free credit card with no joining or annual fee
- Domestic and international airport lounge access
- 4 complimentary railway lounge visits every quarter
- Zero forex markup for international spending
- Golf benefits and Visa Infinite privileges
- Complimentary roadside assistance up to 4 times per year
- Movie ticket offers through District by Zomato
Cons
- Reward rates have been reduced significantly
- Regular spending earns only around 0.38% rewards
- Lounge access requires ₹20,000 monthly spending
- Movie benefits require monthly spending to unlock
- Reward points expire after 24 months
- ₹99 + GST reward redemption fee applies
- Better travel cards are available in the paid card segment
Final Verdict
The IDFC FIRST Wealth Credit Card is no longer the standout lifetime free card it once was. Multiple devaluations have reduced its reward rate, and regular spending now earns relatively low returns.
That said, the card still offers good overall value at no cost. Benefits such as domestic and international lounge access, railway lounge access, golf privileges, roadside assistance, movie offers, and a zero forex markup help it remain relevant.
If you are looking for a premium travel-focused credit card, there are better options available. However, if you want a lifetime free card with a solid mix of travel and lifestyle benefits, the IDFC FIRST Wealth Credit Card is still worth considering.
Frequently Asked Questions
Is the IDFC FIRST Wealth Credit Card lifetime free?
What is the forex markup on the IDFC FIRST Wealth Credit Card?
How many airport lounge visits does the IDFC FIRST Wealth Credit Card offer?
How many railway lounge visits does the IDFC FIRST Wealth Credit Card offer?
Do reward points expire on the IDFC FIRST Wealth Credit Card?
What is the reward point value on the IDFC FIRST Wealth Credit Card?
Does the IDFC FIRST Wealth Credit Card offer golf benefits?
Is the IDFC FIRST Wealth Credit Card worth it in 2026?
IDFC First Bank Wealth Credit Card
need latest update
Done, this was pending for quite sometime.
Someone mentioned that the 20k requirement for Lounge is only applicable on the card and one can get 2 complimentary lounge access for free every quarter using the Dream folks card. Is that true?
No, that condition is applicable to both.
reward rates are even lower, you get 1X,3X,or 10X points per Rs.150 now, not per Rs.100 as was previously the case.
Thank you. This is fixed.
Terms have been revised. This card has now been devalued. Online RP accumulation is now same as Offline RP accumulation. 1+1 Movie Tickets have been reduced from 500 to 250. Lounge access have been placed behind a huge paywall.
Yep, this is updated now. Thank you!
its per 150.
1x-0.16%
3x-0.5%
10x-1.67%
I don’t think it deserv more than 2 stars (1- for key benefits, 1- providing lounge support), nothing accelarated, nothing interms of regular spends due to low usage (rewards), nothing unique or something which we can spend only this card.
Hey! Thank you, it was an editing mistake.
Agree on the rating but still giving it a slightly better rating as it is LTF with railway lounge access and RSA. Even super-premium credit cards have started putting in too many restrictions on lounge access now while having a high annual fee.
Is airport lounge access free or depends on spending of min 20K in a statement cycle?
Yes, it needs spends. This is covered in the review.
Can this card be used for rent payment?
Yes
How to get this card? When I enter my details in IDFC website, it only shows me Millennia that too with just 75k limit.
Welcome voucher* worth ₹ 500 on spending ₹ 5000 or more within 30 days of card generation.
Please update welcome offer section.
Thank you again and done.
Article says Rs 5000 are required to spend to avail airport lounge access. I confirmed with customer care they said there is no spend based target for availing these services. Please confirm once and update this article.
Yes, that is correct. They updated it sometime back to reverse the spend requirements for Wealth variant.
Final thoughts and FAQ can be updated. There is mention of spend based access.
Thanks. Good work!
Thank you! Missed that one, updated it now.
Does this card provide rewards for Government transactions?
Yes
I don’t understand why you underrated this card. LTF card with plenty of benefits.
Fixed! It was rated low because it was positioned to be a premium card but with so many changes in other cards, it was time for a revision.