IDFC FIRST Wealth vs YES Private
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Wealth Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.2/10.
| Feature | IDFC FIRST Wealth | YES Private |
|---|---|---|
| CardTrail Score | 8.7/10 | 8.2/10 |
| Annual Fee | Free | ₹10,000 |
| Base Reward Rate | 0.75% | 2.5% |
| Max Reward Rate | 6% | 5% |
| Forex Markup | 1.5% | 0.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 4 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Signature |
When to Choose IDFC FIRST Wealth
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 6% vs 5%
- Your primary spend is: forex, travel, value
When to Choose YES Private
- You travel internationally — saves ₹1,000/year on ₹1L forex spend
- Your primary spend is: travel, value
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Wealth costs ₹1,770 in forex fees vs YES Private at ₹590. You save ₹1,180/year with YES Private.
Annual Fee Value Analysis
To break even on YES Private's ₹10,000 fee at 2.5% rewards, spend ₹33,333/month.
IDFC FIRST Wealth is lifetime free — no break-even needed.