IDFC

IDFC First Wealth Credit Card

IDFC First Bank

Zero annual fee with premium benefits

Annual FeeNil (Lifetime Free)
Rewards10X reward points on select categories
Welcome BonusUp to 5,000 reward points

Key Benefits

  • Zero annual fee forever
  • 10X rewards on select brands
  • No minimum spend requirement
  • Fuel surcharge waiver
  • 1% cashback on all spends
  • Complimentary movie tickets

Eligibility Criteria

Age18 – 65 years
Minimum Income₹20,000/month (salaried) or ₹5 lakhs/year (self-employed)
Credit Score650+ CIBIL score (flexible)
EmploymentSalaried, Self-employed, Students (with FD)

Fees & Charges

Annual Fee₹0 (Lifetime Free)
Joining Fee₹0
Late Payment Fee₹600
Foreign Transaction Fee1.5% of transaction amount
Cash Advance Fee2.5% of amount (min ₹500)
Interest Rate3.49% per month (41.88% p.a.)

Pros & Cons

Advantages
  • Truly lifetime free - no conditions
  • High approval rate
  • Good for building credit history
  • Lower forex markup than competitors
  • No minimum spend requirements
Disadvantages
  • Limited lounge access
  • Bank has smaller branch network
  • Reward rate lower than premium cards
  • Less brand recognition

Frequently Asked Questions

Yes, IDFC First Wealth card has absolutely zero annual fee forever with no spending conditions. It's one of the few truly free premium credit cards in India.

IDFC First Bank offers instant digital approval for many applicants. Physical card delivery takes 7-10 working days after approval.

IDFC First Bank has relatively flexible approval criteria and may approve cards for scores above 650. They also offer secured cards against FD for those with no credit history.

IDFC First is better for zero annual fee and easier approval. HDFC is better for premium benefits, wider acceptance, and better customer service. Choose based on your priorities.
IDFC First Wealth Credit Card
  • Annual FeeNil (Lifetime Free)
  • Joining FeeNil
  • Credit Limit₹50,000 – ₹5,00,000

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Disclaimer: The information provided is for reference only. Credit card approval is subject to the bank's terms and conditions. Interest rates, fees, and benefits may change without notice. Please verify details on the official bank website before applying.