Premium Zero Forex

IDFC FIRST Wealth Credit Card

Name: IDFC FIRST Wealth Credit Card
Brand: IDFC FIRST
Price: 1999 INR

IDFC FIRST

8.2

CardTrail Score

Very Good

out of 10

💰 Net Value

5.3

🔓 Accessibility

7.0

⚡ Feature Depth

7.2

🏦 Bank Trust

7.5

How we score →

Compare This Card Full Details

Annual Fee

₹1,999

Spend ₹3L/year

Forex Markup

No extra charge

Reward Rate

0.75%

Up to 6%

Lounge Access

domestic | 4 intl

About This Card

IDFC FIRST Wealth is one of the best value cards in India. Zero forex markup, 8+4 lounge visits with no spend gate, and 6X on dining — all for a ₹1,999 annual fee that's easily waived. The base reward rate of 0.75% is its weak spot, but the zero forex alone makes it worth holding.

Pros & Cons

Pros

Zero forex — tied for best in India
No spend gate for lounge visits
6X on dining
Low ₹1,999 fee with easy waiver

Cons

0.75% base reward rate is low
IDFC reward ecosystem is limited
Points redemption options fewer than HDFC/Axis

Fee Details

Annual Fee

₹1,999

Joining Fee

₹1,999

Fee Waiver Condition

Spend ₹3L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.75%

Max Rate

Currency

Reward Points

Welcome Bonus

2,500 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

per quarter

Key Highlights

+ Zero forex markup
+ 6X rewards on dining
+ No spend gate for lounge access
+ Lifetime free on ₹3L/year spend

Compare With...

See how IDFC FIRST Wealth Credit Card stacks up against top alternatives

HDFC Diners Club Black

HDFC

9.4

Compare

HDFC Diners Club Metal Edition

Want the Full Picture?

Compare the IDFC FIRST Wealth Credit Card side-by-side with any card in our database. Use our comparison tool to see which card truly fits your spending pattern.

Open Comparison Tool Find My Ideal Card

CardTrail is an independent research platform. Our ratings are not influenced by commercial relationships.