MyFinCards
FIRST Wealth

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

1.5% + GST

INTERNATIONAL
IDFC FIRST Bank
Travel
Lifestyle
Rewards
Best For: Frequent international travellers, Premium lifestyle spenders, Golf enthusiasts, Those seeking lifetime-free premium cards

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

SALARIED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

INCOME Proof

Salary Slip
Form 16

Notable Exclusions

Welcome gift voucher not applicable on UPI transactions, add-on card transactions, wallet load, EMI converted transactions, ATM cash withdrawal, card upgradesFirst EMI cashback excludes gold and jewellery transactions; delinquent customers ineligible; reversed/cancelled/foreclosed/disputed EMI transactions excluded

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Lifetime-free premium card with 1.5% forex, global lounge access, golf privileges & up to 60X rewards.

Frequently Asked QuestionsAbout FIRST Wealth

ELIGIBILITYWhat is the minimum income required to apply for the FIRST Wealth Credit Card?
To be eligible for the FIRST Wealth Credit Card, you must have an annual income of ₹36 lakhs or more. This card is designed for high-income individuals seeking premium lifestyle and travel benefits. Please ensure you meet this income criterion before applying, as it is a key eligibility requirement for this card.
FEESIs there any joining fee or annual fee for the FIRST Wealth Credit Card?
No, the FIRST Wealth Credit Card is a lifetime-free card with absolutely no joining fee and no annual fee. You can enjoy all the premium benefits, including lounge access, golf privileges, travel insurance, and reward points, without ever paying a fee to hold the card. This makes it one of the most value-packed free credit cards available.
INTERNATIONALWhat is the forex markup on the FIRST Wealth Credit Card for international transactions?
The FIRST Wealth Credit Card charges a low forex markup of just 1.5% (+GST) on international transactions. This fee applies to all international spends, including those made in Indian currency. This competitive rate makes the card an excellent choice for frequent international travellers looking to minimise foreign transaction costs.
BENEFITSHow many complimentary airport lounge visits do I get with the FIRST Wealth Credit Card?
With the FIRST Wealth Credit Card, you get 2 complimentary visits to Indian airport lounges and 2 complimentary visits to Global airport lounges every quarter. To access Indian lounges, simply present your FIRST Wealth Credit Card. For global lounges, present your Dreamfolks card and consider advance bookings online. Note: You must spend ₹20,000 in the current calendar month to avail the benefit in the next month.
USAGEHow do I unlock lounge access and golf privileges with the FIRST Wealth Credit Card?
To unlock lounge access (both airport and railway) and golf privileges, you need to spend ₹20,000 in the current calendar month. Once this spend threshold is met, the benefits become available in the following month. For golf, spending over ₹20,000 in a statement cycle unlocks up to 2 complimentary golf rounds or lessons per month at 20+ courses across India.
BENEFITSWhat golf benefits does the FIRST Wealth Credit Card offer?
The FIRST Wealth Credit Card provides premium golf privileges at 20+ golf courses across India. You can enjoy up to 2 complimentary golf rounds or lessons every month. To unlock this benefit, you need to spend over ₹20,000 in a statement cycle. You can book your golf visit through the designated booking portal. This makes the card ideal for golf enthusiasts seeking exclusive access.
BENEFITSWhat travel insurance benefits are included with the FIRST Wealth Credit Card?
The FIRST Wealth Credit Card offers comprehensive travel and accident insurance, including: Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10 lakh, Lost Card Liability Cover of ₹50,000, and travel insurance of up to USD 1,200 covering Loss of Checked-in Baggage (USD 500), Baggage Delay (USD 100), Loss of Passport (USD 300), and Flight Delay (USD 300). Additionally, free trip cancellation cover of up to ₹10,000 is provided. Insurance benefits are valid on making at least one transaction in the last 30 days.
BENEFITSWhat is the fuel surcharge waiver on the FIRST Wealth Credit Card?
The FIRST Wealth Credit Card offers a 1% fuel surcharge waiver on fuel transactions valued between ₹200 and ₹5,000. Effective 20th February 2025, the fuel surcharge waiver is capped at ₹300 per statement cycle. This benefit helps you save on everyday fuel expenses during your road trips and daily commutes.
BENEFITSWhat are the joining benefits for the FIRST Wealth Credit Card?
New FIRST Wealth Credit Card holders enjoy exciting joining benefits: (1) A ₹500 gift voucher from brands like Amazon, Bigbasket, Uber, and Lifestyle on spending ₹5,000 within 30 days of card generation. (2) Up to ₹1,000 cashback (5%) on your first EMI transaction within 30 days of card generation on transactions above ₹2,500. These offers are applicable to primary cardholders only and are not valid on UPI, wallet loads, or ATM withdrawals.
BENEFITSDoes the FIRST Wealth Credit Card offer movie ticket benefits?
Yes, the FIRST Wealth Credit Card offers a Buy-1-Get-1 movie ticket offer via the District mobile app. You can get up to ₹250 off on the second ticket. This benefit can be availed twice in a calendar month, allowing you and a companion to enjoy movies at a significantly reduced cost. Terms and conditions apply.
BENEFITSWhat luxury hotel benefits does the FIRST Wealth Credit Card provide?
The FIRST Wealth Credit Card provides access to exclusive benefits at 900+ luxury hotels worldwide. These include automatic room upgrades upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status, and 3 PM late check-out upon request. Additionally, through VISA Infinite, you can avail Stay 3 Pay 2 or 50% off on the 2nd night at ITC Hotels and Elivaas properties using designated promo codes.
REWARDSWhat reward points can I earn with the FIRST Wealth Credit Card?
The FIRST Wealth Credit Card offers up to 10X reward points on eligible spends, with the potential to earn up to 60X reward points through reward multipliers. You can also earn up to 3X reward points on UPI spends. Reward points never expire, giving you the flexibility to accumulate and redeem them at your convenience across a wide range of options.
BENEFITSDoes the FIRST Wealth Credit Card offer complimentary railway lounge access?
Yes, the FIRST Wealth Credit Card provides 4 complimentary visits to lounges at select Indian railway terminals. To access this benefit in the following month, you must spend ₹20,000 within the current calendar month. You can explore the list of eligible railway lounges on the IDFC FIRST Bank website or mobile app to plan your trips accordingly.
APPLICATIONHow can I apply for the FIRST Wealth Credit Card?
You can apply for the FIRST Wealth Credit Card directly on the IDFC FIRST Bank website by clicking the 'Apply Now' button on the card page. You will need to meet the eligibility requirement of an annual income of ₹36 lakhs or more. The application process is digital and straightforward. You may be required to submit identity proof, address proof, income proof, and PAN card details during the application.
BENEFITSWhat roadside assistance does the FIRST Wealth Credit Card offer?
The FIRST Wealth Credit Card provides complimentary 24/7 roadside assistance worth ₹1,399 for car or two-wheeler emergencies across India. This service ensures you are covered in unexpected vehicle breakdown situations at any time of the day or night, anywhere in the country. Terms and conditions apply. This benefit adds an extra layer of safety and convenience for cardholders.

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