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IDFC First Wealth Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will receive a 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.
Milestone Benefits
Cashback Rate
Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25.
3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%.
10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%.
1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.
3X reward points on rental and property management transactions, cashback rate: 0.50%.
Movie Benefits
Dining Benefits
Other Benefits
Comprehensive travel insurance and air accident cover. Spa visits per quarter and 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spending.
Lounge Access
4 complimentary domestic & international airport lounge access.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will receive a 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.
Milestone Benefits
Cashback Rate
Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25.
3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%.
10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%.
1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.
3X reward points on rental and property management transactions, cashback rate: 0.50%.
Movie Benefits
Dining Benefits
Other Benefits
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Lounge Access
4 complimentary domestic & international airport lounge access.
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
Cash withdrawal fee - INR 199.
Interest rate
Monthly Interest Rate - 0.75% - 3.5%. Annual Interest Rate - 9% - 42%
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200 .
Foreign Currency Transactions Fee
Forex Mark up - 1.5%
Other Fees
Fuel Surcharge - 1%, waived upto INR 400 per statement cycle. | Redemption fee: INR 99
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Monthly Interest Rate - 0.75% - 3.5%. Annual Interest Rate - 9% - 42%
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200 .
Foreign Currency Transactions Fee
Forex Mark up - 1.5%
Other Fees
Fuel Surcharge - 1%, waived upto INR 400 per statement cycle. | Redemption fee: INR 99
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.
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
The card comes with a number of value add features. The card offers low cashback rate.
The card comes with a number of value add features. The card offers low cashback rate.
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