IDFC FIRST BankVisaLifestyle
FIRST Wealth credit card
Lifetime free with 10X points above ₹20k monthly, BOGO movies and 16 lounge visits.
Personal score45/100● Good fit
Recurring net savings₹2,247/yrafter fee, GST and caps · bills paid in full
First-year value₹2,697incl. ₹450 welcome
Effective savings rate0.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈8 dom🌏8 intlyou can use 2 of your visits
Source: IDFC FIRST Bank – Wealth Credit Card · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail₹1,213/yrBase rate 0.5% on other spends
₹0Lifetime free
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)
! Not a RuPay card – your UPI QR spends cannot go on it.
Where the money comes from
₹2,247/yr · 0.7%Base rate 0.5% on other spendson ₹2,42,640₹1,213
10X (1.67%) on monthly spend above ₹20,000on ₹50,640₹592
1X on utilities & insuranceon ₹48,000₹82
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360
UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 45 is built
weights total 100% · methodologyNet savings rate11/100 × 55%6.3
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0
Airport lounges with this card
Open Lounge Finder →42airports in India
64lounges you can enter
2 per quarterdomestic · needs ₹20,000 spend per month
2 per quarterinternational · needs ₹20,000 spend per month
How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
💳 Base earn0.5%value on eligible spend
⚡ Accelerated1.67% 10X on monthly spend…0.17% 1X on utilities & insurance
🚫 No rewards onfuelrent
🏷️ FeesLifetime free
🎁 Welcome (year 1)≈ ₹450₹500 voucher on ₹5,000 spend + 5% cashback on first EMI
🏁 Milestonesnone
✈️ Lounge✈2/qtr dom🌏2/qtr intlneeds ₹20,000/month · DreamFolks; needs ₹20k spend in previous month
🌏 Forex markup1.5%+ GST on the markup
🔁 Redemption₹0.25/IDFC Reward Points ★★★☆☆1 RP = ₹0.25 on statement/online catalogue (₹99 redemption fee).
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylemoviesgolfzero forexfuel waiverinsurance coverBuy-one-get-one movie tickets (₹500 off, twice a month on Paytm) · Complimentary golf rounds
🪪 EligibilityIncome ₹36L+/yr (often offered to existing customers)
At a glance
- No annual fee at all
- Low 1.5% forex markup
- BOGO movies and 16 lounges
- Only 0.5% below ₹20k monthly
- Points worth ₹0.25
- Lounge needs monthly spend
Compare FIRST Wealth with
Community Q&A on the FIRST Wealth
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the IDFC FIRST Bank FIRST Wealth?
It is lifetime free – no joining or renewal fee.
Does the FIRST Wealth give airport lounge access?
8 domestic + 8 international/yr. DreamFolks; needs ₹20k spend in previous month. Access needs ₹20,000 spend per month.
How much can I save with the FIRST Wealth?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,247 a year, an effective savings rate of 0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the FIRST Wealth's reward exclusions and caps?
No rewards on fuel, rent. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.