# Idfc First Wealth Visa Credit Card

**Best for:** Frequent travelers and utility bill payers

**Think twice if:** Rarely spends or travels internationally

**Key strengths:** No joining or annual fees required · High reward points on spending · Complimentary lounge access for travelers

## Fees

- **Joining Fee:** No Joining Fees
- **Annual Fee:** No Annual Fee
- **Forex Markup:** 1.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** 3X Reward Points Upto Spends Rs.20000
- **Welcome Benefit:** Welcome Gift Voucher Rs.500 on Spending Rs.5000

## Lounge Access

- **Domestic:** 2 Complimentary Airport Lounge Access Per Quarter
- **International:** 2 Complimentary Airport Lounge Access Per Quarter

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