IDFC
IDFC Wealth Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
Earn 10X Reward Points
on incremental spends above ₹20,000 per month and on spends made on your birthday
Earn 3X Reward Points
per ₹150 on eligible spends up to ₹20,000 in a monthly statement cycle.
Best For
Airport Lounge
Travel
Utility Bills
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
36LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- 3 reward points per ₹200 on spends up to ₹20,000 in a statement cycle
- 10 reward points per ₹200 on incremental spends above ₹20,000 in a statement cycle
- Reward points redemption value: 1 reward point = ₹0.25
- 33% bonus reward points on hotel bookings via IDFC FIRST Bank mobile app platform, capped at 8,000 bonus reward points per calendar month
- Reward points redemption capped at 1,00,000 per calendar month and 2,00,000 per calendar year
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹0.25
Redemption Options
- Flights/Hotels
- Product Catalogue
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
Bank Charges & Fees
Rent Payment
Government-related Transactions
Insurance Payments
Education Spends
Utility Bill Payments
For Spends Waiver
Fuel Spends
EMI Spends
Wallet Loads
Jewellery Purchases
Cash Advances
Payment of outstanding balances
Bank Charges & Fees
Rent Payment
Government-related Transactions
Insurance Payments
Education Spends
Utility Bill Payments
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends | 1.50% |
APR Fees 0.71% to 3.85% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 46.2% | 0.71% - 3.85% |
ATM withdrawal ATM cash withdrawals are subject to a fee of ₹199 plus applicable GST per transaction. An interest-free period of up to 45 days is applicable from the transaction date, subject to payment of the total amount due | ₹199 |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees A cash payment fee of ₹100 is charged for payments made at bank branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹200 |
| ₹501 - ₹5000 | ₹200-₹350 |
| ₹5001 - ₹10000 | ₹350-₹700 |
| ₹10001- and above | ₹700-₹1000 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn 10X Reward Points
on incremental spends above ₹20,000 per month and on spends made on your birthday
Earn 3X Reward Points
per ₹150 on eligible spends up to ₹20,000 in a monthly statement cycle.
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