# IDFC First Wealth

IDFC First Bank · Visa. lifetime free · 0% forex · 3 RP / ₹200 base.

✓ official · checked 21 June 2026

## How it earns (3)

- 3 RP / ₹200 base · verified · checked 21 June 2026
- 10X (10 RP/₹200) dining/travel from 18 Jun 2026 · no ₹20K/mo threshold · ✓ official · checked 21 June 2026
- 10X (10 RP/₹200) international from the first txn, from 18 Jun 2026 · international only · ✓ official · checked 21 June 2026

## On gift vouchers

- ₹38 back on a ₹10,000 voucher bought direct. · 3 RP / ₹200 base
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No rewards: fuel, EMI, cash, fees

## Lounges (2)

- 1 domestic visit a quarter, after ₹20,000 spent the previous calendar month. · Domestic (DreamFolks) · domestic · 1 per quarter
- 1 international visit a quarter at select airports, after ₹20,000 spent the previous calendar month. · International (select global terminals) · international · 1 per quarter

## Statuses it opens (1)

- GHA Discovery GHA Discovery Titanium · enrolment needed · ✓ official · checked 19 July 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Points expire after 24 months
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (5)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 1 July 2026: Your IDFC First points now expire (https://getbrief.cards/changes#idfc-expiry)
- Devaluation · 18 June 2026: IDFC FIRST movie tickets now need ₹20,000 of spend the month before (https://getbrief.cards/changes#idfc-bogo-gate-2026)
- Devaluation · 18 June 2026: Your IDFC First Wealth earn is now capped to your credit limit (https://getbrief.cards/changes#idfc-wealth-deval-2026)
- Improvement · 19 February 2024: Visa Infinite cards now fast-track to GHA DISCOVERY Titanium (to 31 Dec 2026) (https://getbrief.cards/changes#gha-visa-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-first-wealth