IDFC FIRST Wealth Credit Card 2025
Save more than ₹20,000 every year with high rewards, low forex & lounge access – no fees ever!
The IDFC FIRST Wealth Credit Card is a premium lifetime-free card for high earners in 2025.
Earn 10X points per ₹150 above ₹20K/month & on birthday, 3X up to ₹20K, 3X on rent/education, low 1.5% forex, 4 lounge visits/quarter, unlimited golf rounds, B1G1 movies, and ₹500 welcome voucher – all with zero fees.
Points never expire, redeem at ₹0.25 for vouchers/cash.
Why This Is The Best LTF Premium Card in 2025?
10X high spends • 1.5% forex • 4 lounges/quarter • Unlimited golf • B1G1 movies • No expiry points
Best for: High spenders, travelers, families, UPI users
Card At a Glance
Nil (Lifetime Free)
Nil
10X Above ₹20K (2.5% value)
1.5% + GST
4 Domestic/Quarter
₹0.25 (no expiry)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Forex Markup | 1.5% + GST |
| Interest Rate | Up to 3.6% per month |
| Point Redemption | ₹0.25 cash/vouchers |
Detailed Reward Rates (2025)
- 10X Points per ₹150 above ₹20K/month & birthday
- 3X Points per ₹150 up to ₹20K + rent/education
- 1X on insurance/utilities
- No expiry, redeem anytime
- Bonus 20X/50X on flights/hotels via app
Airport Lounge Access
4 complimentary domestic visits per quarter
On ₹20K previous month spend
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X on high spends (2.5% value) | Low base 3X (0.75%) |
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST |
| Welcome Benefit | 7,500 Points (₹3,000 value) |
| Point Value | ₹0.40 on travel | ₹0.25 others |
| Foreign Currency Markup | 1% + GST |
| Interest Rate | Up to 3.6% per month |
Detailed Reward Rates (2025)
- 10X Points per ₹150 above ₹20K/month
- 5X Points per ₹150 up to ₹20K/month
- 3X on rent/education/utilities
- ₹0.40 value on travel redemptions
- Bonus 30X flights/50X hotels via app
Airport Lounge Access
4 domestic + 2 international visits per quarter
On ₹20K previous spend
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X high spends (4% value) | ₹3K fee |
| 1% low forex | App bonuses only |
| 6 lounges/quarter | No mile transfers |
| Golf rounds free | Spend threshold for perks |
| B1G1 movies |
Eligibility Criteria & Documents
- Age: 21–70 years
- Min income: ₹12 Lakh/year
- Good credit score (750+)
- Documents: PAN, Aadhaar, ITR
How to Apply (2-Minute Process)
- Check eligibility
- Fill form
- Upload docs
- Video KYC
- Metal card in 7 days
Final Verdict – Should You Get It in 2025?
For ₹20K+ spenders, this metal card gives ₹30,000–₹50,000 value yearly in rewards + travel. Best value metal for premium users!
Frequently Asked Questions (FAQs)
Forex fee?
Just 1% – great for abroad.
Lounges how many?
6 per quarter on spend.
Point value?
₹0.40 on travel bookings.