Verified value
₹0.25 per point
Catalogue
IDFC FIRST VISA
Wealth
Should you get this?
Strong fit
Why this card
- Forex markup is low at 1.5%.
- Up to 5 pts / ₹100 on Travel
- You want a lifetime-free card.
Trade-off
1/quarter · requires ₹20,000 spend in the previous month. Domestic lounge cap is 1 visit per quarter. International lounge cap is 1 visit per quarter.
Annual fee ₹0 lifetime free
Rewards 1.5 pts / ₹100
Lounge access 1 domestic + 1 international visits / quarter
Forex markup 1.5% moderate
Compare with AU Small Finance Bank ixigo →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1.5 pts / ₹100spend threshold not fully modelledDoes not earn on ₹20,000 per month; then 5 pts / ₹100 base
- balance transfer
- cash advance
- emi
- fees charges
- fuel
- insurance
- loan on card
- railway
- toll
- utility
Travel5 pts / ₹100Does not earn on —
- education
- government
- insurance
- railway
- rent
- toll
- utility
- wallet load
Dining5 pts / ₹100Does not earn on —
- education
- government
- insurance
- railway
- rent
- toll
- utility
- wallet load
International spend5 pts / ₹100Does not earn on —
- education
- government
- insurance
- railway
- rent
- toll
- utility
- wallet load
Show all 5 earning rules (1 more)
Utility Utilities Insurance Railway Toll Fastag0.5 pts / ₹100Does 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 getBase earn
1.5 points per ₹100 (~0.375% base (conservative redemption))
Best verified lane
Dining
5 pts / ₹100
View bonus categories →Caps
- General spend₹20,000 per month
Why?
then 5 pts / ₹100 base
No reward on
- Rent
- Education
- Government payments
- Insurance premiums
- +12 more
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Lounge access spend gate₹20,000monthLounge eligibilityreasonablestrong
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). ~750 pts/month. Category and partner bonuses aren't included in this estimate.
- Forex cost ~₹750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 1 per quarter — via · verified 6 Jul 2026 Condition: ₹20,000 spend in the previous month
5 sources agree · verify issuer terms before applying
Where to verify
- IDFC official page
- IDFC First Wealth Official Extract
- CardInsider
- Operator-verified anchor
- Mymoneymantra IDFC First Wealth
- International (cardholder)
- 1 per quarter — via · verified 6 Jul 2026 Condition: ₹20,000 spend in the previous month
5 sources agree · verify issuer terms before applying
Where to verify
- IDFC official page
- IDFC First Wealth Official Extract
- CardInsider
- Operator-verified anchor
- Mymoneymantra IDFC First Wealth
- 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
- 2.99% / month
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 20 Jun 2026
- Interest-free period
- Up to 45 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.5%
7 sources agree · verify issuer terms before applying
Where to verify
- IDFC official page
- CardInsider
- BankBazaar
- Mymoneymantra IDFC First Wealth
- 1 Finance
- Finology Select
- 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
- Monthly 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…
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 1.5%.
- 1 per quarter domestic lounge · 1 per quarter international.
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 1.5%, 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 or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.
When do welcome benefits arrive?
A welcome benefit worth ₹500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- DreamFolks
₹20k spend gate, domestic vs international - Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog