IDFC FIRST Wealth Credit Card is offered by IDFC FIRST Bank in India. It is intended to provide users with exclusive privileges and advantages like fuel surcharge waiver, travel and insurance benefits, along with access to airport and railway lounges. It comes with various other offers in the premium category of credit cards as well.
Aspects that make spending using this card lit as the sun!
Think of these as small investments to keep your credit card running smoothly.
Joining Fee
FreeAnnual Fee
FreeAnnual Percentage Rate
42%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
₹ 199Cash Advance Limit
NACard Replacement Fee
₹ 100Foreign Transaction Fee
1.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹ 0.25Any Amount Due
15% of Total Amount Due subject to a minimum of ₹ 100 and a maximum of ₹ 1250.Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Bank name:
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IDFC FIRST Bank Credit Card Customer Care Number:
1860 500 9900IDFC FIRST Bank Card Offers:
View OffersTotal Cards:
34,81,252IDFC First Bank has declared that starting May 1, 2024, there will be a modification in its policy for credit card payments of utility bills. As per the revised policy, a 1% surcharge, along with GST, will be levied on credit card payments for utility bills that exceed Rs. 20,000 in a statement cycle. However, this additional charge will not be applicable for transactions made with the FIRST Private Credit Card, LIC Classic Credit Card, and LIC Select Credit Card.
IDFC First Bank announced a devaluation of their credit card rewards program, effective from 1 May 2024. Here's a breakdown of the key changes:
Reduced reward points: Across all cards, reward points are now earned at a rate of 3 points per every Rs. 150 spent, compared to the previous system that offered higher points for specific categories like online shopping.
Lounge access changes: For most cards, complimentary airport lounge access now requires a minimum spend of Rs. 20,000 in the previous calendar month.
Charges on utility bill payments: A 1% surcharge applies to total utility bill payments exceeding Rs. 20,000 in a statement cycle (except for Private, LIC Classic and LIC Select cards).
Rent payments: A fee of Rs. 249 or 1% (whichever is higher) is charged on rent payments made through the credit card.
There are some exceptions to these changes, particularly for the IDFC FIRST Bank Private Credit Card, which remains largely unaffected.
IDFC First Bank, LIC Cards, and Mastercard have announced their joint venture to launch an exclusive co-branded credit card to cater to the dynamic financial needs of the country. In a joint statement released on Thursday, the credit card comes in two variants - LIC Classic and LIC Select. The credit cards offer policyholders across the country an opportunity to save reward points on every LIC insurance premium payment.
Apart from the reward points, the credit card also comes with a host of other benefits, including up to Rs 50,000 cover for lost card liability and personal accident insurance cover of up to Rs 5 lakh. The additional benefits will be extended to LIC policyholders who opt for this credit card, along with co-brand benefits. This initiative is expected to benefit more than 27 crore policyholders across India.
Targeting the lifestyle needs of its consumers, as well as improving their savings on mobility and utility spends, IDFC FIRST Bank has partnered with HPCL to launch two co-branded cards. The two new cards are being named FIRST Power and FIRST Power+. Bankers can apply for the FIRST Power and FIRST Power+ cards through the bank’s website, its app for select bank branches, and select HPCL pumps and stations.
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Reward Rate
-Joining Fee
FreeAnnual Fee
FreeAnnual Percentage Rate
42%/Select/CreditCards/586551aa7f0b4f45b68cacaae8c8861f.png)
Reward Rate
-Joining Fee
₹ 50,000Annual Fee
₹ 50,000Annual Percentage Rate
42.58%/Select/CreditCards/a371aaded5454a5ab44978e17e5c4f30.png)
Reward Rate
-Joining Fee
₹ 2500Annual Fee
₹ 2500Annual Percentage Rate
43.2%/Select/CreditCards/92002d761d184548822237ddfedd3107.png)
Reward Rate
-Joining Fee
₹60,000Annual Fee
₹60,000Annual Percentage Rate
42%/Select/CreditCards/1636ecc8ba024699aa116462adca4d2c.png)
Reward Rate
-Joining Fee
₹12,000Annual Fee
₹20,000Annual Percentage Rate
35.88%Yes, holders of IDFC First Wealth cards are eligible for four free airport passes each quarter.
Reward points accumulated on your IDFC First Bank Credit Card have no expiration date. You don't have to worry about losing your reward points because you can use them whenever you want.
Applicants for the IDFC FIRST Wealth Card must be between the ages of 21 and 65 and have a monthly income of at least Rs 25,000. Those with a high credit score and no prior history of missing payments or defaulting on loans are also eligible, as are Indian citizens who are currently and permanently residing in the nation. Based on the applicant's credit history, relationship with the IDFC Bank, demographics, and credit exposure, internal policy criteria are used to determine which customers receive credit cards. The final decision regarding card approval will rest with the bank.
If the SELECT credit card holder has a 4L limit, ask for an upgrade if the cardholder is eligible to convert to a wealth credit card.
Select understands market trends and users' temperaments. That's why you can never go wrong with it.
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