IDFC FIRST Wealth

Sponsored

IDFC FIRST Bank · Visa

IDFC FIRST Wealth is the best zero-fee premium card with unlimited lounge access and 10X online rewards.

Annual Fee

Free

Base Reward Rate

6X

Point Value

₹0.25/pt

Min CIBIL

700

Lounge Access

Domestic

Unlimited

International

0/year

Reward Rates by Category

Dining

6X

Travel

6X

Shopping

6X

Online

10X

Grocery

6X

Fuel

6X

Utilities

6X

Other

3X

Pros

ZERO annual fee
Unlimited domestic lounge visits
10X points on online spends
Dynamic interest rate (9%-42%)
Fuel surcharge waiver
Buy 1 Get 1 on BookMyShow

Cons

Low point redemption value
No international lounge
Points expire in 3 years

Redemption Options

Flight tickets

Standard₹0.25/pt

Shopping vouchers

Standard₹0.25/pt

Statement credit

Standard₹0.25/pt

Ready to Apply?

Apply directly on the IDFC FIRST Bank website. Takes about 10 minutes.