IDFC FIRST Wealth Credit Card: Unlock Premium Rewards and Benefits
03 Jan 2025 5 mins Credit Cards
The IDFC FIRST Wealth Credit Card is your gateway to unparalleled luxury and convenience, offering lifetime-free access to an array of benefits tailored for high-income earners. Designed to enhance your lifestyle, this credit card stands out with its exceptional travel perks, unmatched reward programs, and premium privileges. Whether you’re a frequent traveler or someone who enjoys exclusive deals, the FIRST Wealth Credit Card is crafted to meet your expectations.
Eligibility for the FIRST Wealth Credit Card
Criteria | Details |
Annual Income Requirement | Applicants must have an annual income of ₹36 Lacs or more. |
Internal Bank Assessment | Card issuance is subject to the bank's internal evaluation to ensure applicant suitability. |
Before applying, it's essential to understand the FIRST Wealth Credit Card eligibility criteria.
Annual Income Requirement: Applicants must have an annual income of ₹36 Lacs or more.
Internal Bank Assessment: The card issuance is subject to the bank's internal evaluation, ensuring suitability for the applicant.
Meeting these conditions is the first step to enjoying the exclusive benefits of this premium card.
Key Benefits of the FIRST Wealth Credit Card
The IDFC FIRST Wealth Credit Card benefits cater to those who value premium privileges. Let’s dive into the standout features:
1. Reward Program
This card offers one of the most attractive reward structures in the market:
3X Reward Points: On monthly spends up to ₹20,000.
10X Reward Points: On crossing ₹20,000 or on your birthday.
1X Reward Points: On utility bills and insurance payments.
3X Reward Points: On rental transactions.
What’s more, these reward points never expire and can be redeemed instantly for online or in-store purchases.
2. Travel Benefits
If you’re a frequent flyer, the IDFC FIRST Wealth Credit Card domestic lounge access is a game-changer.
Complimentary Lounge Access:
Domestic: Two complimentary airport lounge visits per quarter with monthly spends of ₹20,000.
International: Two overseas lounge visits per quarter for premium comfort during international travel.
Additionally, enjoy exclusive discounts on airport transfers and expedited services with the Airport Meet & Greet program.
3. Dining, Shopping, and Movie Offers
Elevate your lifestyle with:
‘Buy One, Get One Free’ Movie Tickets: Up to ₹250 twice a month via Paytm.
Dining Discounts: Save up to 20% at over 1500 restaurants across India.
Year-Round Brand Offers: Avail discounts on 300+ premium brands.
How to Apply for the IDFC FIRST Wealth Credit Card
Wondering how to begin? Follow these simple steps for the IDFC FIRST Wealth
Credit Card apply process:
Visit the official IDFC FIRST Bank website.
Fill out the application form with accurate details.
Submit the required documents, including identity proof, address proof, and income proof.
Await the bank's internal review and approval.
With a streamlined process, getting your hands on this card is quick and hassle-free.
Joining Perks and Welcome Benefits
The FIRST Wealth Credit Card benefits start right from the moment you receive it:
Welcome Voucher: Spend ₹5,000 within 30 days and get a ₹500 voucher.
First EMI Cashback: Enjoy 5% cashback (up to ₹1,000) on your first EMI transaction within 30 days.
These perks ensure that the card adds value from the get-go.
Luxury Travel Experiences
The card doesn’t just stop at lounge access; it redefines luxury travel:
Complimentary Golf Rounds: Enjoy up to two free rounds of golf each month after spending ₹20,000.
Luxury Hotel Collection: Access to over 900 luxury hotels worldwide with perks like room upgrades, complimentary breakfast, and late checkouts.
Airport Transfers: Discounts on premium limousine services in over 3,000 cities globally.
Comprehensive Insurance Coverage
Your peace of mind is prioritized with robust insurance coverage:
Air Accident Cover: Up to ₹1 Crore.
Personal Accident Cover: ₹10 Lacs.
Travel Insurance: USD 1,200 for international trips.
Lost Card Liability: Up to ₹50,000 to protect against unauthorized transactions.
Roadside Assistance: Complimentary services worth ₹1,399.
These features ensure you’re covered in every scenario.
Fuel and Utility Rewards
For day-to-day expenses, the card also provides value:
Fuel Surcharge Waiver: 1% waiver on transactions between ₹200 and ₹5,000 (up to ₹400 per month).
Utility Bill Payments: Earn 1X reward points on insurance premiums and utility bills.
Pros and Cons of the FIRST Wealth Credit Card
Pros
Lifetime-free with no annual fees.
Comprehensive rewards program with never-expiring points.
Premium travel and lifestyle benefits.
Cons
High eligibility threshold (₹36 Lacs annual income).
Spending thresholds required for some perks.
Conclusion
The IDFC FIRST Wealth Credit Card is more than just a credit card; it’s a lifestyle upgrade. With benefits ranging from unlimited reward points to exclusive lounge access, it’s perfect for individuals who enjoy premium services. Whether you’re traveling domestically or internationally, dining out, or shopping, this card ensures you get the best out of every experience. If you meet the eligibility criteria, it’s time to elevate your financial journey with this remarkable offering.
FAQs
1. How can I apply for the IDFC FIRST Wealth Credit Card?
Visit the official IDFC FIRST Bank website, complete the application form, and submit the necessary documents for approval.
2. What are the eligibility criteria for the FIRST Wealth Credit Card?
Applicants must have an annual income of ₹36 Lacs or more and meet the bank's internal assessment requirements.
3. Does the IDFC FIRST Wealth Credit Card offer domestic lounge access?
Yes, cardholders can enjoy two complimentary domestic airport lounge visits per quarter.
4. What is the reward point structure of the FIRST Wealth Credit Card?
Earn 3X reward points on spends up to ₹20,000 and 10X points on spends above ₹20,000 and on your birthday. Points never expire.
5. Are there any travel benefits with the IDFC FIRST Wealth Credit Card?
Absolutely! Enjoy complimentary lounge visits, discounts on airport transfers, and premium hotel perks.
Find the Best Credit Card for your spending habits. Explore top credit cards and maximize your rewards.
Get a Personal Loan that fits your needs. Apply for loans from Rs 1000 to Rs 15 Lakhs with competitive rates.
Author - Abhishek Sonawane
Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.