IDFC FIRST Wealth Credit Card

9.6
Expert ScoreRead review
  • A lifetime free card with exciting privileges.
  • Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 6x Rewards on all online spends.
  • 3x RPs on all offline spends (for spends up to Rs. 30,000).
  • 10x Reward Points on large spends of Rs. 30,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • 4 complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending Rs. 20,000 monthly.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 1% fuel surcharge waiver.

Added to wishlistRemoved from wishlist 0
Add to compare
Category:

IDFC FIRST Wealth Credit Card

9.6
Expert ScoreRead review
  • A lifetime free card with exciting privileges.
  • Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 6x Rewards on all online spends.
  • 3x RPs on all offline spends (for spends up to Rs. 30,000).
  • 10x Reward Points on large spends of Rs. 30,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • 4 complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending Rs. 20,000 monthly.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 1% fuel surcharge waiver.
Category:
Reward Type
Reward Points
Renewal Fee
Nil
Joining Fee
Nil
Type of Card
Cashback
Welcome Benefits
Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

USP of Card

  • A lifetime free card with exciting privileges.
  • Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 6x Rewards on all online spends.
  • 3x RPs on all offline spends (for spends up to Rs. 30,000).
  • 10x Reward Points on large spends of Rs. 30,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • 4 complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending Rs. 20,000 monthly.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 1% fuel surcharge waiver.

Fees & Charges

Spend Based Waiver
Nil
Interest Rates
0.75% to 3.5% per month depending upon the credit history of the card member.
Cash Advance Charges
1.5% + GST
Rewards Redemption Fee
Rs 99 per redemption request (plus applicable taxes)
Fuel Surcharge
A 1% fuel surcharge is waived at all authorized fuel stations (max waived amount capped at Rs. 400/month).
Foreign Currency Markup
Transaction fees of Rs. 199
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
Buy One Get One offer on movie tickets up to Rs. 500 on the Paytm app, twice every month and up to 20% discount on over 1,500 restaurants.
Reward Redemption
Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25.
Zero Liability Protection
Bank not liable for any unauthorized transaction prior to the time of reporting the loss of card. However, you do get a lost card liability cover worth Rs. 50,000.
Rewards Rate
3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.
Travel
NA
Online Shopping offers
6x Rewards on all online spends.
Insurance Benefits
Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000
Domestic Lounge Access
Up to 4 free visits to domestic airport lounges per quarter.
International Lounge Access
Up to 4 complimentary international lounge visits per quarter.
9.6Expert Score
  • A lifetime free card with exciting privileges.
  • Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 6x Rewards on all online spends.
  • 3x RPs on all offline spends (for spends up to Rs. 30,000).
  • 10x Reward Points on large spends of Rs. 30,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • 4 complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending Rs. 20,000 monthly.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 1% fuel surcharge waiver.
Best values score
9.6
PROS
  • One of the biggest pros of the IDFC FIRST Wealth Credit Card is that it is a lifetime-free card without any annual charges or fees.
  • Complimentary welcome vouchers worth Rs. 500.
CONS
  • The reward rate for this premium card is poor, with one reward point equaling Re. 1
9.6Expert Score
  • A lifetime free card with exciting privileges.
  • Gift voucher worth Rs. 500 on spending Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction performed within 30 days of card setup.
  • 6x Rewards on all online spends.
  • 3x RPs on all offline spends (for spends up to Rs. 30,000).
  • 10x Reward Points on large spends of Rs. 30,000 or more.
  • 10x Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 3.5%) and low foreign currency markup (1.5%).
  • 4 complimentary airport lounge access and spa visits every quarter.
  • Up to 2 complimentary rounds of golf every month on spending Rs. 20,000 monthly.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 1% fuel surcharge waiver.
Best values score
9.6
PROS
  • One of the biggest pros of the IDFC FIRST Wealth Credit Card is that it is a lifetime-free card without any annual charges or fees.
  • Complimentary welcome vouchers worth Rs. 500.
CONS
  • The reward rate for this premium card is poor, with one reward point equaling Re. 1

Specification: IDFC FIRST Wealth Credit Card

Bank Name

IDFC FIRST BANK

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

User Reviews

0.0 out of 5
★★★★★
0
★★★★★
0
★★★★★
0
★★★★★
0
★★★★★
0
Write a review

There are no reviews yet.

Only logged in customers who have purchased this product may leave a review.

IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card

2023 Matyaj creatives india pvt Ltd. All rights reserved.
BestValuesGuide
Logo
Compare items
  • Total (0)
Compare
0