Description

IDFC FIRST Wealth Credit Card Features and Benefits

The IDFC Bank First Wealth Credit Card is a unique premium card that offers a number of exciting privileges across different categories, including travel, golf, rewards, lifestyle, and many more. The greatest advantage of this card is that it is a no-annual-fee card with such great benefits. The following are some of the most significant features and benefits of this credit card:

Welcome Benefits:

• You get welcome gift vouchers worth Rs. 500 on achieving a spend of Rs. 15,000 within 90 days of card setup.
• You get a 5% cash back on the first EMI purchase made within 90 days of card set-up.

Movie and Dining:

• BOGO (Buy one Get one free) offer on movie tickets on the Paytm app with up to 2 complimentary tickets every month capped at Rs. 500 each.
• Up to 20% instant discount on dining bills at restaurants.

Travel Benefits:

• 4 complimentary domestic and international airport lounge access (combined) per quarter under the Dreamfolks lounge program.
• 4 complimentary railway lounge access per quarter.
• A comprehensive travel insurance cover of USD 1,200 (details later)
• Complimentary spa visits every quarter.

Golf Benefits

• You get a complimentary golf round for every Rs. 20,000 spent in the previous month.
• You can enjoy up to 2 complimentary golf rounds in a month.

Insurance Benefits:

• Travel-related insurance benefits as under-

• You also get a personal accident cover worth Rs. 10 lakh.
• You also get a lost card liability cover worth Rs. 50,000.

IDFC Wealth Credit Card Rewards Points

• You get 3x Reward Points on all offline spends (up to Rs. 30,000).
• You get 6x Reward Points on all online spends (up to Rs. 30,000).
• 10x Reward Points all incremental spends of Rs. 30,000.
• 10x Reward Points on all spends on your birthday.
• Reward Points earning and 10x threshold calculation does not include fuel, insurance, EMI transactions, & cash withdrawals.
• The reward points you earn with this card never expire.

Note: 1x RP = 1 Reward Points per Rs. 100.

Reward Redemption:

• Reward Points are redeemable on the Poshvine reward portal for shopping vouchers from popular e-commerce websites including Amazon, Flipkart, Myntra, etc.
• 1 Reward Point = Rs. 0.25.

IDFC First Wealth Credit Card Fees and Charges

Some of the most important fees and charges associated with the IDFC First Bank Wealth Credit Card are as mentioned below:

• The First Wealth Credit Card offered by IDFC First Bank comes with zero annual & joining fees, i.e, it is a lifetime free/no annual fee credit card.
• This credit card charges an interest of 0.75% to 3.5% per month.
• The fee on foreign currency transactions made through the IDFC First Wealth Credit Card is 1.5% of the total transaction amount.
• The cash withdrawal fee on this card is 2.5% of the withdrawn amount.

IDFC FIRST Wealth Credit Card Eligibility Criteria

The basic eligibility requirements that are required to be fulfilled by individuals in order to get approved for the IDFC First Wealth Credit Card are as follows:

• The applicant’s age should be at least 21 years.
• The applicant should either be self-employed or salaried with a good monthly income.
• The applicant’s credit history should have no payment defaults and he/she should be possessing a decent credit score.

Documents Required

The documents required to apply for the IDFC First Wealth Credit Card are listed below:

• Aadhar Card, Electoral Id, PAN Card, Driving License, or Passport as proof of identity.
• Latest months’ utility bills, rent agreement, Aadhar Card, or Passport as proof of address.
• You might also need to submit your latest salary slips/latest bank statements (salaried people), or the latest audited ITR (self-employed people).

How to Apply for IDFC FIRST Wealth Credit Card

You can apply for the IDFC FIRST Wealth credit card online on their official website. All you have to do is select the Wealth card from the list of cards on their official website and proceed with your application. You will need an identity proof, address proof, as well as proof of income like salary slips or an audited ITR acknowledgment.

Customer Care

In case you want to get any assistance or to report the loss of your card, you may dial IDFC FIRST Credit Card‘s customer care number- 1860 500 1111. It is a dedicated number for IDFC First’s credit card customers and is functional 24×7.