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Features of IDFC FIRST Wealth Credit Card

  • Lifetime Free Membership:
    The IDFC FIRST Wealth Credit Card comes with no joining fees, annual fees, or membership fees—completely free for life. This makes it a cost-effective premium option for high spenders.
  • Low Forex Markup Fee:
    Enjoy just 1.5% forex markup fees on all international transactions (compared to industry standard 3-3.5%), saving you money on foreign currency purchases—ideal for frequent travelers.
  • Reward Points Program:
    Earn 3X reward points on all spends up to ₹20,000 per month and 10X points on incremental spends above ₹20,000 or on birthday spends. Points never expire and are valued at ₹0.25 each.
  • Complimentary Lounge Access:
    Get 4 domestic/international airport lounge visits and 4 railway lounge visits per quarter after spending ₹20,000 in a calendar month.
  • Golf Benefits:
    Enjoy up to 2 complimentary golf rounds or lessons per month (spend ₹20,000 for 1 round or ₹40,000 for 2 rounds in billing cycle).
IDFC FIRST Wealth Credit Card
    • Movie Ticket Offers: Buy-One-Get-One movie ticket offer twice per month via District app by Zomato (discount capped at ₹250 per ticket).
    • Low Interest Rates: Dynamic interest rates from 0.75% to 3.5% per month (9% to 42% annually), lower than industry standard.
    • Interest-Free Cash Withdrawals: Withdraw cash from ATMs with interest-free period up to 45 days (cash advance fee of ₹199 + GST per transaction).
    • EMI Conversion Options: Convert purchases above ₹2,500 into EMIs with flexible tenures (3-18 months) through mobile app or OTP page.
    • Comprehensive Insurance Covers: Includes ₹1 crore air accident cover, ₹10 lakh personal accident cover, and ₹50,000 lost card liability cover (activated with at least one transaction in last 30 days).
    • Contactless Transactions: Supports tap-and-pay at enabled POS terminals for quick and secure payments.
    • UPI Integration with RuPay Variant: Optional RuPay variant (₹199 annual fee) enables UPI transactions earning 3X reward points.
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on domestic fuel purchases (capped at ₹400 per month).
    • Roadside Assistance: Complimentary roadside assistance worth ₹1,399 (up to 4 times annually) covering breakdowns across India.
    • Discounts on Health and Wellness: Up to 15% discounts at 3,000+ health and wellness outlets including gyms and spas.
    • New Card Design: Refreshed design for cards issued from December 24, 2024, maintaining all existing privileges.
    • Balance Transfer Facility: Transfer outstanding balances from other cards with option to convert into EMIs for easier debt management.
    • Visa Concierge Services: 24/7 personalized assistance for travel bookings, dining reservations and event planning.
    • Luxury Hotel Benefits: Access to 900+ luxury hotels worldwide through Visa Luxury Hotel Collection with room upgrades and complimentary breakfast.
IDFC FIRST Wealth Benefits

Benefits of IDFC FIRST Wealth Credit Card

  • 1. Cost Savings:
    • Lifetime Free: No joining or annual fees saves thousands annually compared to other premium cards.
    • Low Forex Markup: Just 1.5% on international transactions vs standard 3-3.5%.
  • 2. Rewards & Lifestyle:
    • 10X Reward Points: Earn on spends above ₹20,000/month and birthday spends (₹0.25 per point value).
    • Airport/Railway Lounges: 4 visits per quarter in each category after ₹20,000 monthly spend.
    • Premium Experiences:Up to 2 rounds/lessons monthly at select courses.Room upgrades, late check-out at 900+ hotels worldwide.
    • Movie Savings: BOGO movie tickets twice monthly (₹250 discount cap per ticket) via District app.
    • Financial Flexibility: Low interest rates (9-42% annually) and interest-free cash withdrawals for 45 days.
    • EMI Convenience: Convert purchases above ₹2,500 into EMIs (3-18 months) through mobile app.
    • Comprehensive Insurance: ₹1 crore air accident cover, ₹10 lakh personal accident cover, and travel insurance benefits.
    • Contactless Payments: Tap-and-pay functionality at enabled terminals for secure, fast transactions.
    • UPI Integration: Optional RuPay variant enables UPI payments earning 3X reward points.
    • Fuel Savings: 1% surcharge waiver on fuel purchases (capped at ₹400 monthly).
    • Roadside Assistance: Complimentary services worth ₹1,399 (4 times annually) for vehicle emergencies.
    • Wellness Discounts: 15% off at 3,000+ health/wellness outlets including gyms and spas.
    • Concierge Services: 24/7 Visa Concierge for travel, dining and event planning assistance.
    • Welcome Benefits: ₹500 voucher on spending ₹15,000 in first 90 days + 5% cashback (up to ₹1,000) on first EMI.
    • Balance Transfer: Consolidate debt from other cards with option to convert into EMIs.
    • Premium Design: Stylish metal card design reflecting premium status.
    • Global Acceptance: Widely accepted worldwide with enhanced security features.
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How to Apply for IDFC FIRST Wealth Credit Card

  • Online Application: Visit IDFC FIRST Bank website → Credit Cards → FIRST Wealth Credit Card → Apply Now.
  • Check Eligibility: Enter basic details (name, mobile, email, PIN code) to verify if you qualify.
  • Complete Application: Fill personal, professional and financial details including income (₹36 lakh+ annually).
  • Upload Documents: Submit PAN, Aadhaar, income proof (salary slips/ITRs) and address proof digitally.
  • Video KYC: Complete identity verification via video call with bank representative.
  • Approval & Issuance: Get virtual card instantly upon approval; physical card delivered in 7-10 days.
  • Mobile App Application:
    • Download IDFC FIRST Bank app and log in
    • Navigate to Credit Cards section and select Wealth variant
    • Complete application with pre-filled details (for existing customers)
    • Upload documents and submit for processing
  • Branch Application:
    • Visit nearest IDFC FIRST Bank branch with original documents
    • Fill physical application form with assistance from bank staff
    • Submit copies of PAN, Aadhaar, income and address proofs
    • Track application status via SMS/email
  • Tips for Smooth Application:
    • Ensure CIBIL score is 750+ before applying
    • Have all documents ready in digital format for online applications
    • Maintain credit utilization below 30%
    • Highlight existing relationship with IDFC FIRST Bank if applicable

Eligibility Criteria for IDFC FIRST Wealth Credit Card

  • 1. Age Requirement
    • Minimum age: 21 years
    • Maximum age: 65 years (self-employed) or 60 years (salaried)
  • 2. Income Threshold
    • Annual income of ₹36 lakh or more
    • Salaried: Last 3 months' salary slips + Form 16
    • Self-employed: Last 2 years' ITRs + business financials
  • 3. Credit Profile
    • CIBIL score of 750 or above
    • Clean repayment history with no defaults
    • Credit utilization ratio below 30% preferred
  • 4. Existing Credit Limits
    • Existing credit card limit of ₹5 lakh or higher from any bank
    • Card-to-Card (C2C) approval possible with high-limit cards
    • Recent usage of existing cards to demonstrate activity is a plus
  • 5. Employment Status
    • Salaried: Minimum 1 year with current employer.
    • Self-employed: Minimum 2 years in current business.
    • Professionals: CA/CS/Doctors with established practice.
    • Startup founders with funded ventures may be considered.
  • 6. Relationship with IDFC FIRST Bank
    • Existing Wealth Banking customers preferred.
    • Savings account balance of ₹10 lakh+ beneficial.
    • Fixed deposits or investment products with bank help.
    • Active usage of other IDFC credit products improves approval chances.
  • 7. Residential & Office Address Verification
    • Stable residence with verifiable address proof.
    • Business or office address must be traceable and registered.
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Documents Required for IDFC FIRST Wealth Credit Card

  • 1. Identity Proof (Any One):
    • PAN Card (Mandatory).
    • Aadhaar Card (Linked to registered mobile).
    • Passport (Valid and current).
    • Driving License (With photo and valid expiry).
    • Voter ID (Current address).
  • 2. Address Proof (Any One):
    • Aadhaar Card (If address matches application).
    • Passport (With current address).
    • Utility Bills (Electricity/water/gas not older than 3 months).
    • Bank Statement (Last 3 months with address).
    • Rental Agreement (Registered if tenant).
  • 3. Income Proof:
    • Salaried: Last 3 months salary slips + Form 16.
    • Self-employed: Last 2 years ITRs with computation of income.
    • Additional: 6 months bank statements showing income credits.
  • 4. Existing Credit Card Statement:
    • Latest statement showing credit limit of ₹5 lakh+ (if applying via C2C).
    • Should display card issuer, limit, and repayment history clearly.
  • 5. Photograph:
    • Passport-sized photo (for branch applications).
    • Digital selfie may be required during video KYC.
  • 6. For NRIs:
    • Passport with valid visa.
    • Overseas address proof.
    • NRE/NRO account statements.
    • Indian address proof if applicable.

Factors Influencing IDFC FIRST Wealth Credit Card Approval

  • Credit Score & History: CIBIL score of 750+ with clean repayment history is crucial. Late payments or defaults can lead to rejection.
  • Income Level & Stability: ₹36 lakh annual income threshold must be met with verifiable documentation showing stability.
  • Existing Credit Exposure: High outstanding balances on other cards/loans may negatively impact approval chances.
  • Debt-to-Income Ratio: Lower ratio (below 40%) indicates better repayment capacity and improves approval odds.
  • Employment/Business Continuity: Minimum 1 year with current employer or 2 years in business required for stability assessment.
  • Relationship with IDFC FIRST Bank: Existing customers, especially Wealth Banking clients, receive preferential treatment.
  • Credit Utilization Ratio: Maintaining below 30% across all cards demonstrates responsible credit usage.
  • Demographic Factors: Urban professionals in stable industries may have higher approval rates.
  • Application Accuracy: Discrepancies in application details versus documents can cause rejection.
  • Recent Credit Inquiries: Multiple hard inquiries in short period may raise concerns about credit hunger.
  • Existing Card Limits: Having other premium cards with ₹5 lakh+ limits supports Card-to-Card approval.
  • Bank's Internal Policies: Unpublished criteria like portfolio balancing may influence final decision.
  • Documentation Quality: Clear, valid documents that match application details speed up verification.
  • Negative Banking History: Past issues with IDFC FIRST Bank or other lenders can lead to rejection.

Frequently Asked Questions (FAQs) – IDFC FIRST Wealth Credit Card

1. What is the IDFC FIRST Wealth Credit Card?
It is a premium lifestyle credit card offering exclusive benefits such as airport lounge access, golf privileges, low interest rates, and rewards on all spends.
2. Is there an annual fee for the Wealth Credit Card?
No, the IDFC FIRST Wealth Credit Card comes with a lifetime free membership—there are no joining or annual fees.
3. What are the eligibility criteria for applying?
Applicants typically need to be between 21 and 65 years old, have a good credit history, and meet the income criteria set by IDFC FIRST Bank.
4. What are the interest rates on this credit card?
Interest rates can range between 0.75% to 3.5% per month (9% to 42% annually), depending on the credit profile and usage.
5. How are reward points calculated?
You earn:
- 10X reward points on spends above ₹20,000 per month
- 10X on purchases made on your birthday
- 6X or 3X reward points on regular spends depending on the category
6. Do the reward points expire?
No, IDFC FIRST Bank reward points never expire, giving you flexibility to redeem them whenever you like.
7. Can I access airport lounges with this card?
Yes, you get complimentary domestic and international lounge access at select airports across India and globally.
8. What are the golf benefits with this card?
Cardholders get up to 4 complimentary rounds of golf per month at select courses in India.
9. Is there a fuel surcharge waiver?
Yes, there is a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000 (maximum benefit ₹300 per month).
10. Is this card accepted internationally?
Yes, the IDFC FIRST Wealth Credit Card is internationally accepted and can be used for purchases worldwide.
11. Are there any concierge services available?
Yes, cardholders have access to a 24x7 concierge service for travel bookings, dining reservations, and more.
12. How do I redeem my reward points?
You can redeem points through the IDFC FIRST Bank app or website for options like shopping vouchers, travel bookings, and merchandise.
13. Is contactless payment supported?
Yes, the card supports contactless (tap-and-pay) technology for quick and secure transactions.
14. How can I apply for the IDFC FIRST Wealth Credit Card?
You can apply online via the IDFC FIRST Bank website or mobile app, or by visiting a branch.
15. What customer care support is available?
IDFC FIRST Bank offers 24x7 customer support via phone, email, and chat for any card-related assistance.

List of IDFC FIRST Wealth Credit Card Branches in Tamil Nadu

  • Chennai - Guindy Madras Race Club Chennai
  • Chennai - Kilpauk Branch Chennai
  • Chennai - Kodambakkam
  • Chennai - Kodungaiyur Branch
  • Chennai - Madipakkam
  • Chennai - GNStreet Chennai
  • Chennai - Mandaveli Branch
  • Chennai - Mogappair Branch
  • Chennai - Nanganallur Branch
  • Chennai - Nungambakkam Branch
  • Chennai - OMR Perungudi Branch
  • Chennai - Padi Branch
  • Chennai - Parry
  • Chennai - Porur
  • Chennai - R A Puram Branch
  • Chennai - R K Salai Branch Chennai
  • Chennai - Sastri Nagar Chennai
  • Chennai - Sholinganallur Branch
  • Chennai - Sowcarpet Branch
  • Chennai - T. Nagar
  • Chennai - Vadapalani Branch
  • Chennai - Valasaravakkam Branch