IDFC FIRST Wealth Credit Card review
One of the best free cards for spending abroad, since there is no forex markup and foreign spends earn about 1.25%. It also suits people who dine out and travel often. Its everyday return and lounge access are thin after the 2026 cuts, so it works best as a travel and dining card next to a stronger everyday card.
Fees
Lifetime free. Forex markup 0%.
Rewards
1 point = ₹0.25 against any online purchase or as statement credit; ₹99 plus GST fee per redemption
- Swiggy & Zomato: 1.25% – 10X, as food delivery falls under the dining merchant codes
- Dining out: 1.25% – 10X (10 points per ₹200) on restaurants from the first rupee
- Fuel: 0% – No points on fuel
- Flights & hotels: 1.25% – 10X on airlines, hotels and travel agents; extra 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app
- Bills: 0.13% – 1X (1 point per ₹200)
- Insurance: 0.13% – 1X (1 point per ₹200)
- UPI with a credit card: 0.13% – Only with the FIRST Digital RuPay add-on: 1X on UPI payments up to ₹2,000 and 3X above that
- Foreign currency: 1.25% – 10X on spending at international merchants, with no forex markup
- Everything else: 0.375%
On a typical spending pattern this card gives back about ₹2,475 a year.
What’s good
- Lifetime free premium Visa Infinite card with no spend condition
- No forex markup (from 15 September 2026) plus 10X points on international spends
- 10X points (about 1.25%) on dining, food delivery and travel from the first transaction
- Buy-one-get-one movie tickets, 1 golf round a quarter and trip cancellation cover up to ₹10,000
- Interest-free ATM cash withdrawals if repaid by the due date
What’s not
- Lounge access was cut to 1 domestic and 1 international visit a quarter, and needs ₹20,000 monthly spend
- Everyday spending earns only about 0.375% back
- Points expire after 24 months and each redemption costs ₹99 plus GST
- Movie and golf benefits now also need ₹20,000 monthly spend
Lounge access
Domestic: 1 a quarter, unlocked for the next month by spending ₹20,000 in the current month. International: 1 a quarter, same ₹20,000 monthly spend condition.