IDFC
IDFC FIRST Wealth
Premium card · strong domestic lounge with international visits on file · fee waiver achievable around ₹15L annual spend · 0% forex markup.
Strong for low forex (0%) and lounge access (unlimited) · Weak for low base rewards (~1%) and high annual fee (₹12K)
Unlimited domestic lounge · 4/year international 0% forex markup
Good for
- International spenders
- Airport lounge users
Not ideal for
- Fee-sensitive users
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹500/month (base rewards)
- Fee waiver unlikely at this spend
Approximate, based on base rates and current snapshot.
Annual fee
₹12,000
Lounge
Unlimited (domestic)
Forex
0%
Limited support — verify with issuer
Reward rate
6 pts/₹150
Near median base earn (~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- Unlimited
- International visits
- 4/year
International Use
- Forex markup
- 0%
- Product tier
- Premium
Fees
- Annual fee
- ₹12,000
- Joining fee
- ₹0
- Fee waiver spend
- ₹15,00,000 Above catalog median waiver (₹3,00,000 vs ₹15,00,000).
Rewards
- Points per ₹150
- 6 pts
- Point value
- ₹0.25
- Effective earn
- 1% (at stated point value)
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Limited options in this tier