Eligible spend
1.5 points per ₹100 on eligible spend
IDFC FIRST VISA
Wealth
Should you get this?
Strong fit
Why this card
- Forex markup is listed as 0%.
- 5 points/₹100 on eligible travel, dining, and international
- You want a lifetime-free card.
Trade-off
Welcome benefit details not verified
Annual fee ₹0 no annual fee currently listed
Rewards 1.5 pts / ₹100 base
Lounge access 1 domestic + 1 international visits / quarter · ₹20,000 spend in the previous month
Forex markup 0% zero forex
Compare with HSBC India Live+ →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend — Min ₹2001.5 pts / ₹100Credited as reward points · Min ₹200 per transactionDoes not earn on ₹20,000 per month; then 5 pts / ₹100 base
- balance transfer
- cash advance
- emi
- fees charges
- fuel
- loan on card
Travel5 pts / ₹100Credited as reward pointsDoes not earn on —
- education
- government
- rent
- wallet load
Dining5 pts / ₹100Credited as reward pointsDoes not earn on —
- education
- government
- rent
- wallet load
International spend5 pts / ₹100Credited as reward pointsDoes not earn on —
- education
- government
- rent
- wallet load
Show all 5 earning rules (1 more)
Utilities, insurance, railways and FASTag0.5 pts / ₹100Credited as reward pointsDoes not earn on —
- cash advance
- emi
- fuel
Redemption value
What a Reward Point is worth
- Catalogue₹0.25 / pt
₹99 redemption fee
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- General spend — Min ₹200₹20,000 per month
Why?
then 5 pts / ₹100 base
No reward on
- Rent
- Education
- Government payments
- Insurance premiums
- +12 more
Realisation
Credited as reward points
Costs & fees
Eligibility
Applicant class · age · incomeReported criteria · as stated by sources
Salaried applicant
- Annual personal income
- ₹36,00,000 or more
Reported by secondary sources · verify with issuer1 other source
Evidence only · excluded from decisions
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Lounge access spend gate₹20,000monthLounge eligibility
Reported but unverified
Evidence · not used as this card's figures- Renewal fee
- ₹0Reported by secondary sources · verify with issuer · 1 source
Evidence only · excluded from decisions
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1.5 pts / ₹100). Up to ~750 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹190 at the conservative redemption floor
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 1 per quarter — via Condition: ₹20,000 spend in the previous month (unlocks the following month)
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- 1 per quarter Condition: ₹20,000 spend in the previous month (unlocks the following month)
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Base earn
- 1.5 points per ₹100 · verified 16 Jul 2026 value depends on redemption
- Effective return (honest floor)
- ~0.375% base (conservative redemption) · verified 16 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.25 per Reward Point (Catalogue) · verified 16 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹1 crore · verified 5 Jul 2026
- Personal accident cover
- ₹10 lakh · verified 5 Jul 2026
- Lost card liability cover
- ₹50,000 · verified 5 Jul 2026
- Underwriter
- Insured by New India Assurance · verified 7 Jul 2026
Fees & charges
Fees
- Monthly interest rate
- 0.71%–3.85% per month Official IDFC FIRST APR FAQ and current Wealth product page state a personalized Dynamic APR of 0.71%–3.85% monthly / 8.5%–46.2% annually. A fixed monthlyInterestRate scalar is not applicable.
- First-year cost
- ₹0 · verified 20 Jun 2026
- Annual fee
- ₹0
- Joining fee
- No joining fee · verified 20 Jun 2026
- Interest-free period
- Up to 45 days · verified 7 Jul 2026
International Use
- Forex markup
- 0%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- IDFC official page
- CardInsider
- BankBazaar
- Mymoneymantra IDFC First Wealth
- 1 Finance
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹200–₹5,000.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- General cap: ₹20,000 per month.
Exclusions: 16
These spends do not earn reward points.
Payments
- Rent
- Education
- Government payments
Financial
- Insurance premiums
- Wallet loads
- Fuel
- EMI
Utilities
- Utilities
Other
- Railway are excluded from the 10X reward threshold
- FASTag are excluded from the 10X reward threshold
- No reward points on fees, charges and associated GST
- No reward points on loan-on-card
- No reward points on balance transfer
- No reward points on cash withdrawal
- Railway use the restricted 1X rule (0.5 RP/₹100), not ordinary 3X base
- FASTag/toll use the restricted 1X rule (0.5 RP/₹100), not ordinary 3X…
Redemption & expiry
- Voucher redemption: ₹99 redemption fee per redemption
Latest update
- First-year cost: ₹0.
- Annual fee: ₹0.
- Forex markup currently listed at 0%.
- 1 per quarter domestic lounge · 1 per quarter international · ₹20,000 spend in the previous month.
Common questions
From verified card factsIs this good for lounge access?
1 domestic + 1 international lounge visits/quarter. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
When do welcome benefits arrive?
Legacy data contains a possible welcome-benefit signal, but the benefit item, qualification, and fulfilment are not verified. Check the issuer welcome email, MITC, and current offer page before relying on it.
Learn more
Guides matched to this card — not a random syllabus.
- DreamFolks
Network, issuer associations, domestic vs international - Forex markup
Why 3.5% can erase travel rewards - How reward rate works
Pts / ₹100 without the marketing fog