IDFC First Wealth Credit Card Features, Benefits, Review, Eligibility, IDFC FIRST Bank offers a range of credit cards, including the IDFC FIRST Wealth Credit Card. This card is designed to cater to the needs of high net worth individuals and offers exclusive benefits and privileges.
Some of the key features of the IDFC FIRST Wealth Credit Card include:
IDFC First Wealth Credit Card Features, Benefits, Review, Eligibility
IDFC First Wealth Credit Card Features
The IDFC FIRST Wealth Credit Card is designed to cater to the needs of high net worth individuals and offers a range of features that are tailored to their lifestyle and spending habits. Here are some of the key features of the card
Rewards Program:
Cardholders can earn reward points on all their transactions, which can be redeemed for a range of products and services. The card comes with a rewards program that allows you to earn reward points on all your transactions. You can redeem these points for a range of products and services, including air tickets, hotel stays, shopping vouchers, and more.
Travel Benefits:
The IDFC FIRST Wealth Credit Card offers travel benefits such as complimentary airport lounge access, travel insurance, and more. The IDFC FIRST Wealth Credit Card offers a range of travel benefits such as complimentary airport lounge access, travel insurance, and discounts on travel bookings made through the bank’s website.
Dining Benefits:
Cardholders can enjoy discounts and other dining privileges at select restaurants across the country.
Lifestyle Benefits:
The card also offers lifestyle benefits such as golf privileges, exclusive event access, and more.
Concierge Services:
You can enjoy 24×7 concierge services that can help you with travel bookings, hotel reservations, event bookings, and more.
Contactless Payments:
The IDFC FIRST Wealth Credit Card is enabled with contactless payments technology, which allows you to make payments quickly and securely without having to swipe or dip your card.
Zero Lost Card Liability:
In case your card is lost or stolen, you are not liable for any fraudulent transactions made on your card after reporting the loss to the bank.
EMI Conversion:
You can convert your high-value purchases into easy EMIs with the IDFC FIRST Wealth Credit Card.
Easy Bill Payments:
You can pay your utility bills, mobile bills, and other bills using your IDFC FIRST Wealth Credit Card.
JOINING BENEFITS
- Cardholders can enjoy welcome benefits such as cashback on joining fee payment, complimentary airport lounge access, and more.
- Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
- 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation.
To apply for the IDFC FIRST Wealth Credit Card, you can visit the bank’s website or contact their customer service. Please note that eligibility criteria, fees, and other terms and conditions may apply.
IDFC First Wealth Credit Card Benefits
The IDFC FIRST Wealth Credit Card is designed to offer a range of exclusive benefits and privileges to high net-worth indiviInterest free cash withdrawal
- From ATM upto 48 days
- Up to 4X rewards
- for offline purchases and rental spends on select variants
- Accelerated rewards
- Up to 6X for online purchases on select variants
- Evergreen rewards!
- Reward points that never expire
Movie offer
- Discount offers between 25-75% on movie tickets every month on select variants
- ‘Buy one, get one’ offer on movie tickets up to ₹500 on Paytm mobile app (valid twice per month)
Welcome Offer
- Gift Vouchers worth above ₹500 on spending ₹15,000 within first 3 months on select variants
- Cashback on EMI
- 5% cashback (up to ₹1,000) on the transaction value of first EMI done within 30 days of card generation, click here for a detailed offer claim process.
Get yourself insured
- Personal Accident cover of upto ₹10,00,000
- Up to 15% discount at 3000+ Health & Wellness outlets
Lifestyle benefits
- Complimentary airport lounge and golf access on all premium card variants duals. Here are some of the key benefits you can enjoy with this card:
- 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spends*
- The card also offers lifestyle benefits such as golf privileges, exclusive event access, and more.
Reward Points
- You can earn reward points on all your transactions, which can be redeemed for a range of products and services such as air tickets, hotel stays, shopping vouchers, and more.
- 10X Reward Points on incremental spends above ₹30,000 per month and spends done on your birthday
- 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹30,000 per month
- Unlimited Reward points that never expire
- Use Reward points to instantly pay for online or in-store purchases (1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25)
Travel Benefits
4 complimentary Domestic & International airport lounge, spa visits per quarter, on minimum monthly spends of Rs.5000 * The IDFC FIRST Wealth Credit Card offers a range of travel benefits such as complimentary airport lounge access, travel insurance, and discounts on travel bookings made through the bank’s website.
- Lounge pre-booking process: For Lounges which require a Pre-book, please call on 1800-1234-109 or you can send an email to helpdesk@dreamfolks.in
Dining Benefits
- Upto 25% across 1,500 restaurants, on all cards
- 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants
Cardholders can enjoy discounts and other dining privileges at select restaurants across the country.
VISA Offers
- Airport Meet & Greet – Enjoy discounts on Airport Fast Track immigration service at over 450 destinations worldwide. Click here
- Airport Transfers – Lucrative discounts on Airport transfer limousine service across in over 3000 cities across 83 countries. Click here
- Concierge – This service provides a modern, personalized experience for you to self-book your dining, staycation, flights and activities. Click here
- Luxury Hotel Collection – Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others. Click here
Concierge Services:
You can enjoy 24×7 concierge services that can help you with travel bookings, hotel reservations, event bookings, and more.
Zero Lost Card Liability:
In case your card is lost or stolen, you are not liable for any fraudulent transactions made on your card after reporting the loss to the bank.
Contactless Payments:
The IDFC FIRST Wealth Credit Card is enabled with contactless payments technology, which allows you to make payments quickly and securely without having to swipe or dip your card.
Insurance and Road Assistance
- Complimentary Roadside Assistance worth ₹1,399
- Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹400/month
- *Applicable only on transaction values between ₹200 & ₹5000
- Air Accident Cover of ₹1 crore*
- Personal Accident Cover of ₹10,00,000* and Lost Card Liability Cover of ₹50,000
- Comprehensive Travel Insurance Cover of USD 1200#
Interest free
ATM cash withdrawal for up to 48 days
Please note that the benefits may vary depending on the specific card variant and are subject to change at the bank’s discretion. It is always advisable to check the latest benefits and terms and conditions before applying for the card.
CONVENIENCE
- Convert all transactions* above ₹2,500 into easy & convenient EMIs on your mobile app
- Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
- Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
IDFC Wealth Credit Card Eligibility
The eligibility criteria for the IDFC FIRST Wealth Credit Card may vary based on the specific card variant and are subject to change at the bank’s discretion. However, here are some general eligibility criteria that you can keep in mind:
- Age: The primary cardholder must be between 18 to 65 years of age.
- Income: The bank may require you to meet a minimum income threshold to be eligible for the card. The exact income criteria may vary based on the specific card variant.
- Credit Score: A good credit score is usually required to be eligible for the IDFC FIRST Wealth Credit Card. A higher credit score may increase your chances of approval and help you qualify for better rewards and benefits.
- Employment Status: You may be required to be a salaried individual or a self-employed professional to be eligible for the card.
- Nationality: You must be an Indian citizen or a Non-Resident Indian (NRI) to be eligible for the IDFC FIRST Wealth Credit Card.
Please note that meeting these eligibility criteria does not guarantee approval for the card. The bank may also consider other factors such as your credit history, debt-to-income ratio, and other relevant details while assessing your application. It is always advisable to check the latest eligibility criteria and documentation requirements before applying for the card.
IDFC First Wealth Credit Card Fees and Charges
- No annual fee. Lifetime Free Credit Card
- Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹199 per transaction)
- OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹500
- Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)
- Forex Markup at 1.5% for all international transactions
- Late Payment Fee – 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
IDFC Wealth Credit Card Review
We provide you with a general overview of the IDFC FIRST Wealth Credit Card based on customer feedback and reviews.
Overall, the IDFC FIRST Wealth Credit Card has received positive reviews from customers who have praised its rewards program, travel benefits, and lifestyle privileges. Customers have also appreciated the contactless payment feature of the card, which makes payments quick and convenient.
The card’s concierge services have also been appreciated by customers who have found them to be helpful in making travel bookings and reservations.
However, some customers have also expressed concerns about the card’s annual fees, which may be higher than other cards in the market. Additionally, the eligibility criteria for the card may be restrictive, which may limit the number of customers who can avail of its benefits.
In summary, the IDFC FIRST Wealth Credit Card may be a good choice for high net worth individuals who value travel benefits, lifestyle privileges, and concierge services. However, the fees and eligibility criteria may be a concern for some customers, and it is always advisable to compare the card’s benefits and features with other options in the market before making a decision.
IDFC Wealth Credit Card Lounge Access
The IDFC FIRST Wealth Credit Card offers complimentary airport lounge access to its cardholders. The exact number of free lounge visits may vary depending on the specific card variant and are subject to change at the bank’s discretion. However, here are some general features of the lounge access benefit offered by the card:
Lounge Access Program
The IDFC FIRST Wealth Credit Card offers access to select airport lounges across the country through its lounge access program. You can enjoy complimentary lounge access for yourself and a guest, subject to the specific terms and conditions of the program.
Lounge Network
The lounge access benefit is offered through a network of participating lounges that are operated by third-party service providers. You can access the list of participating lounges on the bank’s website or by contacting their customer service.
Lounge Features
The participating lounges offer a range of amenities such as comfortable seating, complimentary snacks and beverages, free Wi-Fi, newspapers and magazines, and more.
Lounge Access Procedure
To access the lounge, you need to present your IDFC FIRST Wealth Credit Card and a valid government-issued photo ID at the lounge reception. The lounge staff may also require you to sign a visitor register and provide additional information as per their policy.
Please note that the lounge access benefit may be subject to certain terms and conditions, such as blackout dates, restricted hours, and guest access policies. It is always advisable to check the latest lounge access policy and participating lounge network before availing of the benefit.
IDFC Wealth Credit Card Customer Care Number
To contact IDFC FIRST Bank’s customer care for any queries related to the IDFC FIRST Wealth Credit Card, you can call their toll-free number 1800 419 2332 or +91 22 6248 5000.
The customer care executive will assist you with any queries related to the credit card, including its features, benefits, rewards, and eligibility criteria. You can also contact them for assistance with lost or stolen cards, billing disputes, transaction-related issues, and more.
Additionally, you can also contact the bank’s customer care through their website or by visiting any of their branches. The website offers a comprehensive set of frequently asked questions (FAQs) and a chatbot that can help you with basic queries.
Please note that the customer care number and other contact details may be subject to change at the bank’s discretion. It is always advisable to check the latest contact details on the bank’s website before contacting them.
IDFC Wealth Credit Card Reward Points
The IDFC FIRST Wealth Credit Card offers reward points on all eligible transactions made using the card. The number of reward points earned per transaction may vary based on the specific card variant and the category of spend. Here are some general features of the reward points program offered by the card:
Reward Points:
You can earn reward points on all eligible transactions made using your IDFC FIRST Wealth Credit Card. The reward points can be redeemed for a range of products and services, including air tickets, hotel stays, shopping vouchers, and more.
Reward Point Conversion:
The reward points earned can be converted into equivalent rupee value, and the amount can be redeemed against eligible purchases.
Reward Point Validity:
The reward points earned on your IDFC FIRST Wealth Credit Card are usually valid for a period of 24 months from the date of accumulation. It is advisable to redeem your reward points before they expire.
Bonus Reward Points: The bank may also offer bonus reward points on select transactions, such as dining or travel spends, during promotional periods. The bonus reward points are usually credited to your account within a specified period after the transaction.
Reward Point Redemption:
You can redeem your reward points online through the bank’s website or by contacting their customer service. The redemption process and the redemption options may vary based on the specific card variant.
Please note that the reward points program offered by the IDFC FIRST Wealth Credit Card may be subject to certain terms and conditions, such as redemption options, minimum reward point requirements, and blackout dates. It is always advisable to check the latest reward points program and terms and conditions before redeeming your reward points.
IDFC Wealth Credit Card Apply
You can apply for the IDFC FIRST Wealth Credit Card online by visiting the bank’s website or by visiting any of their branches. Here are the steps to apply for the card online:
- Visit the IDFC FIRST Bank website and navigate to the credit card section.
- Select the IDFC FIRST Wealth Credit Card variant that you wish to apply for.
- Click on the “Apply Now” button and fill in the online application form with your personal and financial details.
- Upload the required documents, such as your identity proof, address proof, and income proof.
- Review the application form and click on the “Submit” button.
- Once you have submitted the application, you will receive an application reference number. You can use this number to track the status of your application.
- A bank representative may contact you for further verification and documentation if required.
Please note that the eligibility criteria, fees, and other terms and conditions may vary based on the specific card variant and are subject to change at the bank’s discretion. It is always advisable to check the latest eligibility criteria, documentation requirements, and fees before applying for the card.