IDFC FIRST Wealth Credit Card: rewards, caps and exclusions
The IDFC FIRST Wealth Credit Card pays about 6.25% on Hotels via first rewards gallery, on the first ₹32,000 of spend a month, and 0.38% on everything else. Below is every rate, cap and exclusion in IDFC FIRST Bank's published terms, as we last checked them on 18 July 2026.
What it earns
≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value IDFC FIRST Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.
Fees
- Annual fee: none
- Joining fee: none
- Foreign-currency markup: 1.5%
Welcome benefit: ₹500 voucher (Amazon/BigBasket/Uber/Lifestyle) + up to ₹1,000 first-EMI cashback on spending ₹5,000 within 30 days.
Eligibility: ₹36,00,000 a year in income.
Where this comes from
Transcribed from IDFC FIRST Bank's own documents and checked against them on 18 July 2026:
Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IDFC FIRST Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.
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