FIRST Wealth Credit Card

Rewards, as stated by the issuer

• Reward points
• Reward Points on UPI Spends
• FIRST Wealth Credit Card – Low forex, global lounges & up to 25% reward points
• Up to ₹1,000 cashback on your first EMI transaction
• Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
• Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
• Earn up to 3X reward points on your spends
• Elevate spends with Reward Points
• 3X Reward Points
• 10X Reward Points
• • 3X Reward Points on all eligible spends categories.
• • 1X Reward Points on Insurance, Utilities, Railway spends and FASTag recharge; 1X = 1 Reward Point per ₹200 | 1 Reward Point = ₹0.25
• - Reward Points will be valid for 24 months, giving you ample time to redeem them at your convenience i.e. Reward Points earned from July 2026 statement cycle will be valid for 24 months from the date they are credited.​
• - Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points. Click here for further details.
• • Earn 10X rewards starting from your very first transaction, with no minimum spend required - on Dining, Travel, and International purchases, effective 18th June 2026.
• • 1X = 1 Reward Points per ₹200 spent | 1 Reward Point = ₹0.25
• - Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points. Click here for further details.​
• Earn 20% bonus reward points on hotel bookings and 10% bonus reward points on flight bookings. You can earn up to 8000 Bonus Reward.

Other benefits

• Lifetime-free card with premium benefits
• ₹500 gift voucher from your favourite brands
• ₹500 gift voucher from choice of brands
• •Not applicable on upgrade of credit card and add-on cards.
• •This offer is applicable only on first EMI conversion within first 30 days of card generation.
• •Eligible customers will receive cashback within 90 days of the offer end date
• •If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
• Comprehensive insurance
• Free trip cancellation cover of up to ₹10,000
• Premium golf privileges
• Buy-1-Get-1 movie ticket offer
• Over 300+ merchant offers
• Accident and lost card liability cover
• Comprehensive travel insurance cover
• Get a free stay at ITC Hotels
• Get a free stay at Elivaas
• Personalised concierge at your fingertips
• Airport transfer discounts

Welcome & milestones

Lounge access

Domestic: Enjoy 1 complimentary visit to Indian Airport lounge, and 1 complimentary visit to Global Airport lounge every quarter. · • Indian airport lounges – Present your FIRST Wealth Credit Card at the airport lounge · Avail 4 complimentary visits to lounges at select Indian railway terminals.

International: FIRST Wealth Credit Card – Low forex, global lounges & up to 25% reward points · Enjoy 1 complimentary visit to Indian Airport lounge, and 1 complimentary visit to Global Airport lounge every quarter. · • Global airport lounges – Present your Dreamfolks card. For easier access, do advance bookings online

Railway: Complimentary railway lounge visits · Disclaimer: Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. · Explore list of eligible railway lounges

Programme: DreamFolks

Eligibility

Every fee line found on the page

• Low forex markup at just 1.5%
• FIRST Wealth Credit Card – Low forex, global lounges & up to 25% reward points
• Eligibility: Annual income of ₹36 lakhs or more
• 1% Fuel surcharge waiver
• Experience the best the world has to offer with a forex markup of just 1.5% (+GST) on your international spends.
• Last-minute change of plans? Get reimbursed for up to ₹10,000 on non-refundable portion of hotel and flight cancellations. The total cover can be used for up to two claims during the policy period. The benefit can be shared between the Primary & Add On cardholders.
• Save more for your next road trip with a 1% Fuel Surcharge Waiver of up to ₹400* in a statement cycle on fuel transactions valued between ₹200 & ₹5,000
• *Effective 20 th February 2025, Fuel Surcharge Waiver will be revised to ₹300
• Joining and Annual fee (2nd year onwards) of just ₹199 + GST
• IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.
• You can enjoy joining benefits worth ₹1,500 with your FIRST Wealth Credit Card:
• The card levies a low forex markup of just 1.5% (+GST) on international transactions. This rate is applicable even when international purchases are made in INR, making it a cost-efficient companion for overseas shopping and travel.
• Yes. Cardholders must spend ₹20,000 in the current calendar month to qualify for complimentary railway lounge access in the following month. You are eligible for 4 complimentary visits annually at select Indian railway terminals.
• No, the CFAR cover is capped at ₹10,000 per policy period and cannot be enhanced. This amount can be utilised for up to two claims and is shared between the primary and add-on cardholders.
• Yes. You can share your credit limit with anyone, including friends, family, or a loved one, with an Add-On credit card at a joining and annual fee of just ₹499.
• Low Forex Mark-Up: Just 1.5% (+GST) on international spends, including foreign currency transactions done in INR