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IDFC · premium tier

IDFC FIRST Wealth

Premium card seekers who refuse to pay annual fees

Joining fee
FREE
Annual fee
FREE
Base rate
1.65%
Expert rating
9.0/10
Apply Now
IDFC
INFINITE
•••• •••• •••• ALTH
CARDIQ MEMBER
FIRST Wealth
— Real annual value

What's it actually worth for you?

₹50.0K
Gross rewards₹13,900
Fees-₹0
Net annual value+₹13,900
Value breakdown
Base rate (1.65%)+₹9,900
Lounge access (20 visits)+₹4,000
— Highlights
  • Lifetime free
  • Unlimited lounge (domestic)
  • Lowest forex markup (1.5%)
  • ₹1.25Cr insurance
— Redemption paths

Every way to spend your reward points

1
voucher
₹0.30
per point
2
cashback
₹0.25
per point
Optimize my balance →
— Reward rates

Earn by category

over-20k-monthly
5X
10X points on >₹20K monthly spend