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IDFC FIRST Wealth
IDFC • Visa

IDFC FIRST Wealth

Premium Lifetime Free Card

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFree
Base Reward1.5%On all spends
Lounge Access3927 domestic • 12 intl
Est. Annual Savings₹1,800Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹5,400

Assumes base reward rate only.

Annual feeWaived

No waiver condition listed.

Net value₹5,400

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
1.5%
Online
1.5%
Offline
1.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • IDFC FIRST Wealth is best positioned as a travel specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.5% on base-aligned lanes, while broad base return remains closer to 1.5%.
  • Current mapped lounge footprint is 39, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Use as a focused specialist inside a multi-card setup without forcing all spend through one product.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count27
  • International count12
  • Quarterly limitNot listed
  • Airport-terminal rows39
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports28
  • Approval reports18

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IDFC FIRST Wealth using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify card variant-wise eligibility and spend rules in latest IDFC FIRST terms before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

39 airport lounge rows
View lounge map and location list39 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
Adani Lounge - International T2International

AHM • Ahmedabad Airport • Terminal T2

The Lounge - Domestic T1Domestic

AHM • Ahmedabad Airport • Terminal T1

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Domestic Terminal

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 International LoungeInternational

BEN • Bengaluru Airport • Terminal T2

080 LoungeDomestic

BEN • Bengaluru Airport • Terminal T2

BLR LoungeDomestic

BEN • Bengaluru Airport • Terminal T1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Terminal

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • International Terminal

Chandigarh

2 lounges • 1 domestic • 1 international

2
Plaza Premium LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Plaza Premium LoungeInternational

CHA • Chandigarh Airport • International Terminal

Chennai

3 lounges • 2 domestic • 1 international

3
Travel ClubDomestic

CHE • Chennai Airport • Terminal T1

Travel ClubInternational

CHE • Chennai Airport • Terminal T2

Travel ClubDomestic

CHE • Chennai Airport • Terminal T4

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Terminal T1

Dehra Dun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • Domestic Terminal

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • Domestic Terminal

Goa

1 lounges • 1 domestic • 0 international

1
- Dabolim Travel Club (New Lounge)Domestic

GOA • Goa Airport • Domestic Terminal

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm Lounge Domestic T1 DepartureDomestic

HYD • Hyderabad Airport • Terminal T1

Encalm Lounge International T1 DepartureInternational

HYD • Hyderabad Airport • Terminal T1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Domestic Terminal

Jaipur

1 lounges • 1 domestic • 0 international

1
Adani Lounge - Domestic T1Domestic

JAI • Jaipur Airport • Terminal T1

Jammu

1 lounges • 1 domestic • 0 international

1
Pahun LoungeDomestic

JAM • Jammu Airport • Terminal T1

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Terminal T1

Earth LoungeInternational

KOC • Kochi Airport • Terminal T3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel ClubDomestic

KOL • Kolkata Airport • Domestic Terminal

Travel ClubInternational

KOL • Kolkata Airport • International Terminal

Mumbai

4 lounges • 2 domestic • 2 international

4
Adani Lounge - Domestic T1-BDomestic

MUM • Mumbai Airport • Terminal T1-B

Aviserve West - Arrival T2 T2International

MUM • Mumbai Airport • Domestic/

Oberoi Lounge - International T2International

MUM • Mumbai Airport • Terminal T2

Travel Club - Domestic T2Domestic

MUM • Mumbai Airport • Terminal T2

Nagpur

1 lounges • 1 domestic • 0 international

1
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Terminal T1

New Delhi

4 lounges • 3 domestic • 1 international

4
Encalm Lounge Domestic Departure T1Domestic

NEW • New Delhi Airport • Terminal T1

Encalm Lounge Domestic Departure T2International

NEW • New Delhi Airport • Terminal T2

Encalm Lounge Domestic Departure T3Domestic

NEW • New Delhi Airport • Terminal T3

Encalm Lounge International Departure T3Domestic

NEW • New Delhi Airport • Terminal T3

Prayagraj

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

PRA • Prayagraj Airport • Domestic Terminal

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Terminal T2

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
T2 The Lounge - International T2International

THI • Thiruvananthapuram Airport • Terminal T2

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Lifetime Free
  • 4 Domestic & 4 International Lounges/qtr
  • Golf Rounds
  • Roadside Assistance

Things to Consider

  • High income eligibility (₹36L+)
  • Devalued reward rates recently

About IDFC FIRST Wealth

IDFC FIRST Wealth is a points card from IDFC, best for premium users seeking ltf. It is tagged under lifetime free, premium, travel categories in our database.

Lifetime FreePremiumTravel

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Frequently asked questions

Is IDFC FIRST Wealth lifetime free?

IDFC FIRST Wealth is lifetime free with no annual fee.

What rewards does IDFC FIRST Wealth offer?

Premium Lifetime Free Card

Does IDFC FIRST Wealth include lounge access?

IDFC FIRST Wealth lists 39 lounge visits (27 domestic, 12 international).

Who should consider IDFC FIRST Wealth?

Premium Users seeking LTF

Where can I apply for IDFC FIRST Wealth?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.