IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
Data Verified
Last checked: 21 Mar 2026High-income earners looking for a premium zero-fee card with low forex and high-end perks.
A lifetime-free premium card with no annual fees, low forex markup, and complimentary lounge and spa access.
TravelLifestyleShoppingDining
Annual Fee
FREE
Lifetime Free - Zero annual fees forever
Cashback
2%
Headline Rate
Forex Markup
1.5%
Standard Rate
Expert Verdict
"IDFC FIRST Wealth is the gold standard for lifetime-free cards in India. It offers benefits typically found on ₹5k+ fee cards, such as spa access and low forex, for absolutely zero cost. The incremental 10X reward structure makes it great for high-value monthly spends."
Key Privileges
Welcome Benefit₹500 welcome voucher + 5% cashback on first EMI
Fee WaiverLifetime Free - Zero annual fees forever
Interest Rate (APR)36%
Min. Income₹36 lakh per annum (or high relationship value)
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score750
- Min. Income₹36 lakh per annum (or high relationship value)
- EmploymentSalaried/Self