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IDFC Bank IDFC First Wealth Credit Card

Product Details
Credit Card Name : 

IDFC Bank IDFC First Wealth Credit Card

Bank Name :

IDFC First Bank

Type :

Rewards Credit Card

Interest Rate : 

0.75% to 3.5% per month (upto 9%- 42% per annum)

Eligibility :

Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 36 Lakh or more.

IDFC Bank IDFC First Wealth Credit Card
Pros
  • Welcome Benefits: Gift Voucher worth Rs 500 on spending Rs 15000 in the first 3 months. 5% Cashback (up to Rs1000) on the transaction value of the first EMI done within 30 days of card generation.

  • Rewards: 10X Reward Points on incremental spends above ₹30,000 per month and spends done on your birthday, and 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹30,000 per month. 

  • Other Benefits: 4 complimentary Domestic & International airport lounge, spa visits per quarter, and 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spends. 

Cons
  • Low effective cashback rate of 0.25%. 

  • Not suitable for shopping and other big spends.

Pros & Cons
Welcome Benefits

Welcome Benefits: Gift Voucher worth Rs 500 on spending Rs 15000 in first 3 months. 2. 5% Cashback (up to Rs1000) on the transaction value of first EMI done within 30 days of card generation.

Rewards System

Reward System: 1 Reward Point per INR 100 spent. 1 Reward Point = INR 0.25.  Reward not available for Fuel, Insurance, EMi transactions & cash withdrawals. Effective Cashback Rate: 0.25%. 

International Forex Markup

1.5%

Welcome Benefits and Reward System
Special Features

Never expiring reward points. 

Eligibility Criteria

Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 36 Lakh or more.

Benefits
  • Comprehensive Travel Insurance and Air Accident cover. 

  • Airport lounge visits. 

  • Welcome offers. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

You can apply for the IDFC First Classic Credit Card online or at any IDFC First Bank branch. Here are the steps on how to apply for the card online:

  • Go to the IDFC First Bank website and click on the "Apply for a Credit Card" tab.

  • Select the "First Classic Credit Card" from the list of cards.

  • Enter your personal details, such as your name, email address, and contact number.

  • Enter your employment details, such as your employer's name and your income.

  • Upload a copy of your PAN card and your latest salary slip.

  • Submit your application.

  • An IDFC First Bank representative will contact you to verify your details and to process your application. If your application is approved, you will receive your credit card within 7-10 working days.

Contact Details

Toll Free No: 1860 258 2000
Whatsapp banking (for registered Nos): Numbers to connect: 95555 55555
•Email us at Banker@idfcfirstbank.com

Account Opening and Procedure
IDFC First Wealth Credit Card

IDFC First Wealth Credit Card is a feature rich premium credit card. The only flaw the card has is its low cashback rate. If you are looking for a premium credit card and ok with ignoring its low cashback rate you can definitely be satisfied with IDFC First Wealth Credit Card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee: INR 0

  • Annual Fee: INR 0

  • Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200 . 

  • Fuel Surcharge - 1%, waived upto INR 400 per statement cycle. 

  • Cash withdrawal fee - INR 199.

  • Redemption fee: INR 99

  • Monthly Interest Rate - 0.75% - 3.5%. Annual Interest Rate - 9% - 42%

  • Forex Mark up - 1.5%

Fuel Surcharge

1%, waived upto INR 400 per statement cycle. 

Billing Cycle

30 Days

Fees & Charges
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