IDFC FIRST Wealth Credit Card Review (2026)
IDFC FIRST's flagship super-premium card. 6x on everything, 10x on dining and travel, unlimited domestic lounges — a serious contender in the super-premium space.
Last updated: 2026-04-21· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹10,000 |
| Joining Fee | ₹10,000 |
| Fee Waiver | Spend 10L in a year |
| Income Required | ₹24L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: IDFC FIRST Reward Points
Milestone Benefits
5,000 bonus reward points on spending 5L
Additional 10,000 bonus reward points on spending 10L
Lounge Access
Our Review
The Wealth card is IDFC FIRST Bank's attempt to compete with HDFC Infinia and Axis Magnus in the super-premium space. On raw numbers, 6x base rate is higher than Infinia's 5x, and 10x on categories beats most competitors. The question is whether IDFC's reward points hold their value — at current redemption rates (~0.20-0.25/point), the effective return is 1.2-1.5% on base spends, which doesn't actually beat Infinia's 5x at ~0.50/point (2.5%). The lounge access is solid with unlimited domestic visits. This card is best suited for someone already in the IDFC FIRST ecosystem who doesn't qualify for HDFC Infinia. If you can get an Infinia or Diners Black, those remain better value.
Pros & Cons
Pros
- + 6x base rate on all spends — among the highest in India
- + 10x on dining, online, and travel categories
- + Unlimited domestic + 8 international lounge visits
- + Strong milestone benefits at achievable thresholds
Cons
- - 10,000 annual fee is steep for a newer bank's card
- - IDFC reward point redemption ecosystem is still maturing
- - Less brand prestige compared to HDFC Infinia or Amex Platinum
- - 10L spend required for fee waiver is high
Best For
Frequently Asked Questions
Is the IDFC FIRST Wealth Credit Card worth it in 2026?
It depends on your spending. The IDFC FIRST Wealth Credit Card costs ₹10,000/year (waiver: Spend 10L in a year). With an effective base return of 1.2%, you'd need to spend approximately ₹8.3L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the IDFC FIRST Wealth Credit Card annual fee?
The IDFC FIRST Wealth Credit Card has an annual fee of ₹10,000. Joining fee is also ₹10,000. Fee waiver: Spend 10L in a year.
What is the minimum salary required for IDFC FIRST Wealth Credit Card?
The minimum annual income required for the IDFC FIRST Wealth Credit Card is ₹24L. However, if you have an existing banking relationship with IDFC FIRST Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on IDFC FIRST Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.