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IDFC FIRST Wealth Credit Card

IDFC FIRST Bank · Visa

★★★★½ 4.6/5
Joining Fee Free / Lifetime Free
Annual Fee Free / Lifetime Free
Fee Waiver Lifetime free — no annual fee ever
Forex Markup 1.5% + GST (best-in-class)
Lounge Access 4 domestic lounge visits/quarter (16/year)

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Welcome Benefit

2,000 welcome points

Earn Rates

3 reward points per ₹150 on online; 1.5 RP/₹150 offline; 10X on birthday; 6X on international

Key Highlights

  • Only LIFETIME FREE card in India with generous lounge access
  • Best forex markup for a no-fee card: 1.5%
  • 10X points on your birthday is a great perk
  • Reward points can be redeemed at 1 RP = ₹0.25
  • No blackout dates, no minimum redemption

Lounge Access

4 domestic lounge visits/quarter (16/year); 2 international Priority Pass visits/quarter (8/year)

Fuel Surcharge Waiver

1% waiver; max ₹300/month

Best For

  • Anyone wanting maximum value with zero annual fee
  • Frequent international travellers on a budget
  • Secondary card holders

Not Great For

  • Pure rewards maximisers who are willing to pay a fee for higher earn rates
Verified: Data last verified 17 June 2026. Sources: www.idfcfirstbank.com , cardexpert.in

Frequently Asked Questions

Is the IDFC FIRST Wealth card truly free forever?

Yes. There is no joining fee and no annual fee — ever. This makes it unique among cards offering 16 domestic + 8 international lounge visits per year.

What is the forex markup on IDFC FIRST Wealth?

1.5% + GST (effective ~1.77%) — among the lowest in India for any credit card, and exceptional for a free card.

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