IDFC FIRST Bank FIRST Wealth Credit Card

IDFC FIRST Bank · Open to apply

A lifetime-free Visa Infinite card from IDFC FIRST Bank. Since 18 June 2026 it pays 10X (10 points per ₹200, about 1.25%) on dining, travel and international spends from the first rupee and 3X (about 0.4%) on most other spends, with zero forex markup, a few spend-gated lounge visits and a good insurance bundle.

Annual fee
Lifetime free
Joining fee
None
Base rate
Everything else, 3X (3 points per ₹200): 3 IDFC FIRST Bank reward points per ₹200 (about 0.38% at cash value)
Lounges
Domestic: 1 visit a calendar quarter after ₹20,000 spend; International: 1 visit a calendar quarter after ₹20,000 spend; Railway: 4 visits a calendar year after ₹20,000 spend
Forex markup
0%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 20% bonus points (20 points per ₹100): 20 IDFC FIRST Bank reward points per ₹100 on top of the base rate (about 5% at cash value)
  • Flights booked in the IDFC FIRST app, 10% bonus points (10 points per ₹100): 10 IDFC FIRST Bank reward points per ₹100 on top of the base rate (about 2.5% at cash value)
  • 10X on dining, flights and hotels: 10 IDFC FIRST Bank reward points per ₹200 (about 1.25% at cash value)
  • 10X on travel agencies and booking sites: 10 IDFC FIRST Bank reward points per ₹200 (about 1.25% at cash value)
  • 10X on international purchases: 10 IDFC FIRST Bank reward points per ₹200 (about 1.25% at cash value)

Earns nothing on

  • No points on fuel, EMI transactions and cash withdrawals

Where the sources disagree

  • Railway lounge visits a year: The card's product page FAQ says 'You are eligible for 4 complimentary visits annually at select Indian railway terminals', and its benefit text says 'Avail 4 complimentary visits to lounges at select Indian railway terminals.' The bank's lounge access page says 'FIRST Wealth Credit Card: 4 international airport lounge visits, 4 domestic airport lounge visits, and 16 railway visits annually.' Neither is a T&C. We keep the card's own page (4 a year); the lounge page's figure may carry over a quarterly allowance (FIRST Select: '4 railway lounge accesses per quarter').
  • App travel bonus rate from January 2026: The December 2025 letter announces 33% bonus points on hotels and 13% on flights booked in the app (the old 50 and 20 points per ₹150), with no date. The rewards T&C (11 June 2026) says 20% on hotels and 10% on flights effective 18 January 2026, and the May 2026 letter says cardholders "continue to earn" 20% and 10%. We use the T&C.
  • Do points expire: The product FAQ says points never expire. The MITC lists FIRST Wealth under the 24-month validity rule and the bank's May 2026 letter confirms it for points earned from the July 2026 cycle. We use the MITC and the letter.
  • Expiry month of the existing points balance: The MITC says the balance as on the June 2026 cycle is valid up to the June 2028 cycle. The bank's letter says the balance as of the July 2026 cycle stays valid until July 2028. The one-month difference is not resolved.

Terms the calculator does not value

  • UPI on the RuPay add-on earns 1X for a transaction up to ₹2,000 and 3X above ₹2,000. Both are rules; the calculator applies the one the spend line's typical payment reaches (₹300 for UPI to shops, so 1X), which understates a reader whose UPI payments are mostly above ₹2,000.
  • The app travel bonus (20% hotels, 10% flights) is recorded as 20 and 10 points per ₹100, reading the T&C's percentages in the same unit as its "up to 5%" base earn (10 points per ₹200). The T&C never states the bonus in points per rupee, so this reading is ours.
  • From 18 January 2026 no points are earned for a billing cycle in which at least the minimum amount due is not paid by the due date; points already posted are reversed. The calculator assumes the bill is paid.
  • From 18 June 2026 points are earned only on spends up to the credit limit in a billing cycle. The calculator does not know the credit limit and applies no cap.
  • The 10X birthday rule in the June 2025 structure is not mentioned in the June 2026 letter; its current status is not known, so it is not modelled.
  • Points lapse 24 months after they are credited. The calculator assumes points are redeemed in time.
  • Cabs and other local travel are not in the 10X travel MCC list (3000-3350, 3501-3853, 7011, 4511, 4722, 4723), so they earn 3X here. Only the named booking sites are matched as travel agencies.
  • The railway lounge spend condition and the golf entitlement are described two ways on the product page. Neither is resolved.

Sources

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