Which card has a lower forex fee: IDFC FIRST Wealth Credit Card or YES Bank Uni GoldX Credit Card?

YES Bank Uni GoldX Credit Card has lower forex markup (0% vs 1.5%).

Which card has a lower annual fee: IDFC FIRST Wealth Credit Card or YES Bank Uni GoldX Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

IDFC FIRST Wealth Credit Card: 1 domestic + 1 international lounge visits/quarter. YES Bank Uni GoldX Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

YES Bank Uni GoldX Credit Card has higher conservative base reward value (~1% vs ~0.38%).

Pairwise comparison Compare 3+ cards →

IDFC FIRST Bank Wealth vs YES Bank Uni GoldX Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Wealth and the YES Bank Uni GoldX. Verify fees, lounge access, forex markup, and base rewards before you apply.

Wealth

Uni GoldX

The short answer

Verdict

Pick Wealth for lounge access.

Pick Uni GoldX for spending abroad and rewards.

Head-to-head

Three core metrics

Annual fee

Wealth ₹0

Uni GoldX ₹0
Forex markup

Wealth 1.5%

Uni GoldX 0%

Uni GoldX saves ~₹1,500 per ₹1L abroad
Domestic lounge

Wealth 4/year (1 per quarter) Conditional · 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Uni GoldX No complimentary lounge access

Wealth: +4 lounge visits/yr

Reward earning explained

Per card

Wealth

1.5 pts / ₹100 · 5 points/₹100 on eligible travel, dining, and international

Strong data

Uni GoldX

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Wealth: ₹0 vs YES Bank Uni GoldX: ₹0), forex markup (1.5% vs 0%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Wealth has comparable evidence here. Forex markup is 1.5%.

Wealth: Strong data Uni GoldX: Strong data
Forex markup YES Bank Uni GoldX wins

YES Bank Uni GoldX is better for forex

YES Bank Uni GoldX is stronger here. Forex markup is 0%.
Lounge access IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for lounge access

IDFC FIRST Bank Wealth is stronger here. Domestic lounge access is 1 per quarter.
Rewards YES Bank Uni GoldX wins

YES Bank Uni GoldX is better for rewards

YES Bank Uni GoldX is stronger here. YES Bank Uni GoldX conservative base value ~1% vs IDFC FIRST Bank Wealth's ~0.4%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

YES Bank Uni GoldX: ~₹500/month at base rate
IDFC FIRST Wealth: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Wealth IDFC FIRST Bank	Uni GoldX YES Bank
Insurance — Air accident cover Only available for IDFC FIRST Wealth	₹1 crore	Not specified
Insurance — Personal accident cover Only available for IDFC FIRST Wealth	₹10 lakh	Not specified
Insurance — Lost card liability cover Only available for IDFC FIRST Wealth	₹50,000	Not specified
Insurance — Underwriter Only available for IDFC FIRST Wealth	Insured by New India Assurance	Not specified
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
International lounge visits 1 per quarter vs Not included	1 per quarter	No international lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 1.5% vs 0%	1.5%	0%
Fees
Recurring annual fee	₹0	₹0
First-year cost Only available for IDFC FIRST Wealth	₹0	Not specified
Interest-free period Up to 45 days vs Up to 50 days	Up to 45 days	Up to 50 days
Monthly interest rate 3.85% / month vs 3.99% / month	3.85% / month	3.99% / month
Fuel benefit 1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · up to ₹7,500 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded	1% surcharge waiver · up to ₹7,500 transactions · ₹500/month waiver cap
Rewards
Base earn 1.5 pts / ₹100 vs 1%	1.5 pts / ₹100	1%
Conservative base value ~0.4% vs ~1%	~0.4%	~1%
Earn ceiling ₹20,000 per month vs Not stated	₹20,000 per month	Not stated
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDFC FIRST Wealth	₹0.25	Not specified
Point validity Only available for IDFC FIRST Wealth	2 years	Not specified

Notes

IDFC FIRST Wealth Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

IDFC FIRST Bank Wealth

Verify with issuer

YES Bank Uni GoldX

Verify with issuer