Joining Fee
Free
Annual Fee
Rs. 0 + Taxes
Forex Markup
1.5% + GST
FIRST Wealth
Rewards Structure
Base Reward Rate
3% on spends
Point Value
1 Point = ₹0.25
Pros
- Lifetime free with no joining or annual fee
- Low forex markup of only 1.5%
- Complimentary Indian and global airport lounge access
- Complimentary railway lounge access
- Premium golf privileges at 20+ courses
- Comprehensive travel and accident insurance
- Buy-1-Get-1 movie ticket offer
- 1% fuel surcharge waiver
- Luxury hotel benefits at 900+ properties
- 24/7 roadside assistance
Cons
- Lounge and golf benefits require ₹20,000 monthly spend to unlock
- Fuel surcharge waiver capped at ₹300 per statement cycle
- High income eligibility (₹36 lakh annual income)
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Airport and railway lounge access requires ₹20,000 spend in current calendar month to avail benefit next month
Golf benefit requires ₹20,000 spend in statement cycle
Welcome voucher excludes UPI, add-on card transactions, wallet load, EMI converted transactions and ATM withdrawals
Trip cancellation cover limited to 2 claims per policy period
Fuel surcharge waiver revised to ₹300 effective 20th February 2025
Key Benefits & Features
24/7 complimentary roadside assistance worth ₹1,399 across India
Stay 3 Pay 2 or 50% off 2nd night at ITC Hotels via VISA offer
Stay 3 Pay 2 or 50% off 2nd night at Elivaas properties via VISA offer
1 complimentary airport meet & greet per year on USD 1,000 international spend in past 12 months; 10% discount otherwise
Airport transfer discounts in 3,000+ cities across 83 countries
Exclusive benefits at 900+ luxury hotels worldwide including room upgrades, breakfast, Wi-Fi & late checkout
Eligibility Criteria
Min. Annual Income
₹36.0 Lakhs
Age Requirement
21+ Years
Occupation
Required Documents
IDENTITY Proof
INCOME Proof
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About FIRST Wealth
The FIRST Wealth Credit Card by IDFC FIRST Bank is a lifetime-free premium card designed for those who seek luxury, travel privileges, and rewarding everyday experiences. With no joining or annual fee, it delivers exceptional value through a low forex markup of just 1.5% on international transactions, making it an ideal companion for frequent global travellers. Cardholders earn up to 10X reward points on lifestyle spends, with never-expiring rewards ensuring every rupee spent continues to work in their favour. Travel benefits are among the card's strongest offerings, including 2 complimentary Indian and 2 complimentary global airport lounge visits per quarter, 4 complimentary railway lounge visits, and free trip cancellation cover of up to ₹10,000. Cardholders also enjoy premium golf privileges with up to 2 complimentary rounds or lessons per month at 20+ golf courses across India, a Buy-1-Get-1 movie ticket offer, and a 1% fuel surcharge waiver. Beyond travel, the card provides comprehensive lifestyle and insurance benefits, including ITC Hotels stays, Elivaas accommodations, curated dining deals, airport meet-and-greet services, 24/7 roadside assistance, and personalised concierge support. Access to over 300 merchant offers and VISA Infinite Privileges further elevates the experience, making the FIRST Wealth Credit Card a truly well-rounded choice for premium lifestyle spenders.
Our Verdict
Lifetime-free premium card with 1.5% forex, global lounge access, golf privileges & up to 60X rewards.
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