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IDFC FIRST Bank · Visa · हिन्दी

IDFC FIRST Wealth Credit Card: full review

The IDFC FIRST Wealth is arguably the best credit card in India for its fee, which is zero. Unlimited domestic lounge, 1.5% forex, and strong rewards on a lifetime free card is an unbeatable combination.

Apply now ↗Annual fee: ₹0
Last updated: August 2026 · Current terms verified
IDFC FIRST BANK
VISA
)))
WEALTH
ASHOK KUMAR
12/28
₹0 (lifetime free)Annual fee
6X reward points on online spends; 3X on offline; 10X on birthdaysReward structure
Unlimited domestic + 4 internationalLounge access

Key benefits of the IDFC FIRST Wealth Credit Card

Lifetime free, zero annual fee everUnlimited domestic lounge access6X reward points on online spendsLowest forex at 1.5%, lifetime free card4 international lounge visits/yearPersonal accident cover ₹1 crore
Apply now ↗ Min. income: ₹18L+ per year · Credit score: 750+
Pros and cons
Pros
✓ Best lifetime free card in India, period
✓ Unlimited domestic lounge at zero cost
✓ 1.5% forex on a free card is unmatched
✓ Strong online rewards
Cons
✗ High income requirement for a free card
✗ IDFC FIRST Bank less established than HDFC/Axis
✗ Points redemption requires tracking
Quick facts
Issuer IDFC FIRST Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹0 (lifetime free)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic + 4 international
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹18L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceIDFC FIRST Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IDFC FIRST Wealth Credit Card is ₹0 (lifetime free). This card is lifetime free with no annual fee.
The main benefits of the IDFC FIRST Wealth Credit Card are: Lifetime free, zero annual fee ever; Unlimited domestic lounge access; 6X reward points on online spends; Lowest forex at 1.5%, lifetime free card; 4 international lounge visits/year; Personal accident cover ₹1 crore.
6X reward points on online spends; 3X on offline; 10X on birthdays
IDFC FIRST Wealth Credit Card is best for Lifetime free premium card with strong rewards. The IDFC FIRST Wealth is arguably the best credit card in India for its fee, which is zero. Unlimited domestic lounge, 1.5% forex, and strong rewards on a lifetime free card is an unbeatable combination.
The minimum income requirement for IDFC FIRST Wealth Credit Card is ₹18L+ per year. A minimum credit score of 750+ is also recommended.
Yes, IDFC FIRST Wealth Credit Card offers Unlimited domestic + 4 international.
IDFC FIRST Wealth Credit Card charges a 1.5% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Salaried Employees →
Card reviews
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