IDFC FIRST BankVisaLifetime FreeWealth Credit Card
4.0NeoFinQ editorial rating
Premium card with 16 lounge visits annually (4 per quarter) and low 1.5% forex markup
- 12 lounge visits
- Wealth management perks
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹20,000/yr
Our verdict
Premium card for IDFC wealth management clients.
Perfect for
- HNI clients
- Wealth management clients
Not ideal for
- Mid-income users
Pros & cons
- 12 lounge visits
- Wealth management perks
- Very high income requirement
Rewards
1X = 1 Reward Point per ₹150 spent. 10X on incremental spends above ₹30,000 and on birthday; 3X on offline and 6X on online spends up to ₹30,000. 1 RP = ₹0.25.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 5% |
| Utilities | 5% |
| Cashback | 3% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 complimentary domestic & international lounge visits per calendar quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Min. income (annual)
₹36L
Employment
Salaried / Self Employed
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