Shortlist 2–4 cards
This page compares two cards side-by-side so you can pick the better fit. Use it to verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | IDFC FIRST Private Reserve | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | ₹0 | ₹12,000 |
| Forex fee | 0% | 0% |
| Domestic lounge | Unlimited | Unlimited |
Start with the constraint you care about most: annual fee (IDFC FIRST Private Reserve: ₹0 vs IDFC FIRST Wealth: ₹12,000), forex markup (0% vs 0%), or lounge access (Unlimited vs Unlimited).
When the headline numbers look similar
Explore: IDFC FIRST Private Reserve card page · IDFC FIRST Wealth card page · best credit cards in India
Source: IDFC FIRST Bank official terms
Open source (opens in new tab)Source: IDFC FIRST Bank official terms
Open source (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| IDFC FIRST Private Reserve IDFC FIRST Bank | IDFC FIRST Wealth IDFC FIRST Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| International lounge visits 12/year vs 4/year | 12/year | 4/year |
| Forex / International Use | ||
| Forex markup | 0% | 0% |
| Fees | ||
| Annual fee ₹0 vs ₹12,000 | ₹0 | ₹12,000 |
| Joining fee | ₹0 | ₹0 |
| Fee waiver spend Only available for IDFC FIRST Wealth | Not specified | ₹15,00,000 |
| Rewards | ||
| Points per ₹150 Only available for IDFC FIRST Wealth | Not specified | 6 pts |
| Point cash value | ₹0.25 | ₹0.25 |