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IDFC FIRST Bank

IDFC FIRST Wealth

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🇮🇳 India · IDFC FIRST Bank

IDFC FIRST Wealth

Name: IDFC FIRST Wealth
Brand: IDFC FIRST Bank
Rating: 4.7 (50 reviews)

Lifetime-free premium — best zero-fee card in India.

4.7 / 5

Joining fee

₹0

Annual fee

₹0

Top reward

Min income

₹1,200,000

Apply at IDFC FIRST Bank ← Back to all cards

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5-year value calculator

How much IDFC FIRST Wealth actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹18,000

Annual feeNo fee

Cumulative net value

+₹90,000

over 5 years

Year 1

₹18,000

+₹18,000/yr

Year 2

₹36,000

+₹18,000/yr

Year 3

₹54,000

+₹18,000/yr

Year 4

₹72,000

+₹18,000/yr

Year 5

₹90,000

+₹18,000/yr

Year 1 (with bonus)

₹18,000

Year 2+ (steady state)

₹18,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

5,000 reward points on first 90-day spend

What you get

3x reward points on online spends (10x on weekends + travel)
4 international + 4 domestic lounge visits per quarter
1% fuel surcharge waiver
Low forex markup at 1.5%
Lifetime free — no annual fee, no fee-waiver math

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹1,200,000

Min credit score

770+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the IDFC FIRST Wealth

The SaaS subscriptions where IDFC FIRST Wealth earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹4,86,540/yr.

Top match

Big forex win