IDFC FIRST Wealth Credit Card: The IDFC FIRST Wealth Credit Card, a lifetime free card that comes with amazing benefits across different categories such as, dining, movies, healthcare, shopping, travel, and many more. It comes in four exclusive credit cards they are IDFC FIRST Millennia, FIRST Select, FIRST Classic, and FIRST Wealth credit cards.
This credit card is best-suited for the people who are looking for all-round benefits at no annual fees. Despite being a lifetime free card, like the other three cards in the line-up, offers reward points without expiry and the Wealth credit card also comes with a zero annual membership fee. This, credit card gives benefits like complimentary rounds of golf, complimentary international as well as domestic lounge visits, and multiple insurance covers including an air accident insurance.
Therefore, in this article we are going to see the benefits and features of the IDFC FIRST Wealth Credit Card,
Contents
1. IDFC FIRST Wealth Credit Card Features and Benefits
The IDFC FIRST Wealth Credit Card comes with the exciting privileges across different categories, including travel, golf, rewards, lifestyle, and many more.
Here we have mentioned the features and benefits offered by the IDFC FIRST Wealth Credit Card:
- Welcome Benefits: On achieving a spend of Rs. 15,000, get welcome gift vouchers worth Rs. 500 within 90 days of card setup and get a 5% cash back on the first EMI purchase made within 30 days of card set-up.
- Movie Benefits: Buy one Get one free i.e., BOGO offers 2 complimentary tickets every month capped at Rs. 500 each movie tickets on the Paytm app.
- Dining Benefits: Up to 20% instant discount on dining bills at over 1500 restaurants.
- Travel Benefits: 4 complimentary domestic and international airport lounge access i.e., combined and railway lounge access per quarter and free airport meet and greet with discounts on fast track immigration and other services at more than 450 global destinations, and great discounts on Airport limousine service in more than 3000 cities in over 80 countries.
- Fuel Surcharge Waiver: On your fuel transactions, cardholders will get a fuel surcharge waiver of 1%, at fuel pumps all over India, get fuel surcharge up to Rs.400 every month.
- Golf Benefits: For every Rs. 20,000 spent, get a complimentary golf round in the previous month and can enjoy up to 2 complimentary golf rounds in a month.
- Concierge Benefits: Through this Credit Card, you can avail of concierge benefits with 24×7 assistance. The concierge services provided on Flight referral and reservation, Hotel and restaurant reservation, Flowers and gifts, Booking and delivery of movie tickets, and Medical Concierge services.
- Insurance Benefits: Get insurance benefits on IDFC FIRST Wealth Credit Card on personal Air Accidental, Delayed baggage, Lost baggage, Loss of passport, Lost ticket, Delay in flight, and Missed connection.
- Reward points: On all offline spends of up to Rs. 30,000, get 3x and 6x Reward Points. And 10x Reward Points, on all spends of Rs. 30,000 and on all spends on your birthday. The 10x threshold calculation does not include fuel, insurance, EMI transactions, & cash withdrawals and the reward points you earn with this card never expire.
2. IDFC FIRST Wealth Credit Card Fees and Charges:
- The Joining fee charges are- NIL
- The Annual fee charges are- NIL
- The Cash withdrawal fee, Rs. 199 per transaction of the withdrawn.
- On all the Foreign currency transaction, you have to pay forex fee of 1.5% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
- An interest rate of 0.75% to 2.99%per month is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs. 100: NIL, Rs. 500: Rs. 100, Rs. 5,000: Rs. 750, Rs. 8,000: Rs. 1,250, and Rs. 10,000 and more: Rs. 1,250
3. IDFC FIRST Wealth Credit Card Eligibility Criteria to Apply:
The common eligibility criteria and the documents required to apply for IDFC FIRST Wealth Credit Card are as follows:
- The age limit for applying for this card is 21 years of age.
- The cardholder should be an Indian resident.
- The cardholder should have a stable source of income either through salary or self-employment with stable source of income.
- For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
- For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
- For Income Proof, you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.
4. How to Apply for IDFC FIRST Wealth Credit Card:
To apply for an IDFC FIRST Wealth Credit Card, you need to either call on 1860 500 1111 which is functional 24×7 or you can apply online through there official website i.e., www.idfcfirstbank.com.
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