The IDFC First Wealth Visa is lifetime free, earns 3X Reward Points Upto Spends ₹20000, includes 2 airport lounge visits a quarter and charges a 0% forex markup.
| Annual fee | None |
|---|---|
| Joining fee | None |
| Base rewards | 3X Reward Points Upto Spends ₹20000 |
| Lounge access | 2 airport lounge visits a quarter |
| Forex markup | 0% |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
245 online offers across 166 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- ixigo: Rs.10000 Discount · till 31 Dec
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
These are IDFC First Bank's own offers and Visa network offers, so they apply to every IDFC First Bank Visa card, not just this one. All IDFC First Bank offers by category.
More about the Idfc First Wealth Visa Credit Card
Is the Idfc First Wealth Visa Credit Card worth it in 2026?
Yes, the Idfc First Wealth Visa Credit Card is worth it in 2026 as it offers no joining or annual fees and rewards like 1X points on insurance and utility payments, 3X points up to Rs. 20,000 spends, and 10X points beyond that. Additionally, it provides 4 complimentary railway lounge visits and 2 international airport lounge accesses per quarter.
Who should get the Idfc First Wealth Visa Credit Card?
This card is ideal for individuals who frequently pay insurance premiums and utility bills, spend over Rs. 20,000 monthly, and value lounge access. It suits users looking for reward points on rental and property management transactions and those who want to earn extra points on their birthday.
How to maximise rewards on the Idfc First Wealth Visa Credit Card?
To maximise rewards, spend over Rs. 20,000 monthly to earn 10X reward points on all spends beyond that limit. Use the card for insurance premiums, utility bills, rental, and property management transactions to earn 1X to 3X points, and make purchases on your birthday to get 10X points.
Is the Idfc First Wealth Visa Credit Card good for international travel?
Yes, it offers 2 complimentary international airport lounge visits per quarter, enhancing travel comfort. However, the card does not specify foreign transaction fee benefits, so consider that when using it abroad.