#1
IDFC · premium
IDFC FIRST Wealth
Premium card seekers who refuse to pay annual fees
Zero annual fee
1.65% base rewards
premium tier
APR if balance carried42%
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Known for lifetime-free cards and industry-low forex markup.
Premium card seekers who refuse to pay annual fees
Mid-income earners wanting a free card with lounge access
Frequent Vistara/Air India flyers via IDFC
Young earners wanting a free card with online rewards
FD-backed card for those building credit — zero fees
First credit card with low income requirement