IDFC FIRST Wealth
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Wealth is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
CardIQ editorial view
Our take
IDFC FIRST Wealth is a no-annual-fee option centred on travel benefits, dining rewards and airport lounge access.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 10X points on eligible dining, travel, international and birthday purchases.
- 1 domestic and 1 global lounge visit per quarter, subject to issuer qualifying spend.
Trade-offs to understand
- 1 domestic and 1 global lounge visit per quarter, subject to issuer qualifying spend.
- Zero forex markup; primary card has no joining or annual fee.
- Optional UPI companion card has separate fees; reward redemption and exclusion rules apply.
CardIQ verdict
A sensible long-term choice when you want travel benefits, dining rewards and airport lounge access without a recurring membership charge. Check this condition before applying: 1 domestic and 1 global lounge visit per quarter, subject to issuer qualifying spend.
Compare before deciding
- IDFC FIRST Select — A similarly priced alternative for comparing reward points and airport lounge access.
- AU Zenith+ — A higher-fee option to compare for broader benefits around reward points and airport lounge access.
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Benefits, limits and conditions
- 1 domestic and 1 global lounge visit per quarter, subject to issuer qualifying spend.
- Zero forex markup; primary card has no joining or annual fee.
- Optional UPI companion card has separate fees; reward redemption and exclusion rules apply.