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IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
VisaSuper-PremiumPoints
💰
Annual Fee
₹2,500
🎁
Reward Type
Points
🌍
Forex
1%
✈️
Lounge
8 dom · 8 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining FeeFree
Annual Fee₹2,500(waived ≥ ₹5,00,000)
Min Monthly Income₹50,000
Rewards
Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point
Category Multipliers
online6%above 30k10%
Redemption Values
statement credit₹0.25/pt
Milestones
Spend ₹5L annuallyAnnual fee waived — effectively free if you hit ₹5L/year spend (annually)
Travel & Global
Forex Markup1%
Domestic Lounge8 visits/yr
Intl. Lounge8 visits/yr
Lounge NetworkDreamfolks
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
⚠️ Last devaluation: April 2024
💡 Fee Waiver Strategy
Spend ₹5,00,000 annually to waive the annual fee.
⚖️ Breakeven Analysis
To recover the ₹2,500 annual fee at the base reward rate of 1.5%, you need to spend ₹1,66,667 annually.
🎯 Pro Tips
- ▸Maximize rewards by using the card for travel and dining expenses.
- ▸Utilize the lounge access for international travel.
- ▸Pay your fuel bills to benefit from the fuel surcharge waiver.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹5,375
Effective Rate
0.5%
Ranked #106 of 173 cards#106
₹2,500 annual fee deducted from gross rewards value.
🏷️ Best For
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