IDFC Wealth Credit Card Benefits – Complete Guide & Premium Rewards

Key Takeaways
 

• IDFC Wealth credit card benefits help you earn 10X reward points on spends above ₹20,000 and birthday purchases.
   
• The IDFC Wealth credit card charges only 1.5% forex markup on international transactions abroad.
   
• You get 8,000 bonus travel rewards a a part of IDFC Wealth credit card benefits monthly through the IDFC mobile app.

Bonus Tip: With the IDFC FIRST Wealth Credit Card, you also get a Buy-One-Get-One movie ticket offer. You can get up to ₹500 off the second ticket twice per month when booked via partner apps. It is a great entertainment perk beyond travel and rewards.

Have you ever wished for a credit card that treats you like royalty? The IDFC First wealth credit card does exactly that with its premium IDFC Wealth credit card benefits. This card transforms ordinary transactions into extraordinary rewards and experiences for you.

Think of the IDFC Wealth credit card as your personal luxury concierge. It’s a premium IDFC Wealth credit card benefits are designed exclusively for high-net-worth individuals. The card combines travel benefits, reward points, and lifestyle privileges seamlessly.

Last month, I used my IDFC First wealth credit card for booking flights. I spent ₹50,000 and earned 20X reward points, totalling 10,00,000 points. The airport lounge access saved me ₹2,000 in waiting area charges. I also saved ₹750 with the low 1.5% forex markup abroad by utilising the IDFC Wealth credit card benefits.

Key Benefits of IDFC Wealth Credit Card

You know what makes a credit card truly valuable? It’s the benefits that match your lifestyle perfectly. The IDFC First wealth credit card brings together rewards, travel perks, and lifestyle privileges. Let’s explore the IDFC Wealth credit card benefits India through this comprehensive breakdown.

1. Reward Points

Reward points transform your everyday spending into valuable benefits and memorable experiences. The IDFC Wealth credit card benefits include multiple ways to earn points.
 

These IDFC Wealth credit card benefits ensure you maximise value from every purchase you make. 

2. Cashback Offers

Cashback offers put money back into your pocket with every transaction you complete. The IDFC Wealth credit card benefits provide instant savings and welcome benefits.
 

These cashback IDFC Wealth credit card benefits help you save money right from your first swipe.

3. Travel Benefits & Other Benefits

Travel and lifestyle benefits elevate your experiences to premium levels of comfort. The IDFC Wealth credit card benefits airport lounge access adds luxury to journeys.
 

The IDFC Wealth credit card benefits airport lounge access provides travellers with comfort. Cardholders can relax in premium lounges before their flights depart. The IDFC First wealth credit card covers every aspect of a modern lifestyle.

Eligibility Criteria & Required Documents for IDFC Wealth Credit Card

The IDFC Wealth credit card eligibility ensures only qualified applicants receive this premium card with IDFC Wealth credit card benefits. You must meet specific financial criteria before you IDFC Wealth credit card apply.

Eligibility Criteria:

The bank sets clear financial benchmarks to identify suitable wealth cardholders.

• Average Monthly Balance of ₹10,00,000 and above in Savings Account
• Savings and Current Account combined balance of ₹15,00,000 and above
• Asset Under Management of ₹25,00,000 and above
• Overall Relationship Value of ₹50,00,000 and above
• Net Monthly Salary credit of ₹5,00,000 for Corporate Salary Customers
• Family members’ balances count if categorised in the same relationship group

These criteria ensure the card reaches customers who truly value premium IDFC Wealth credit card benefits.

Required Documents:

You need specific documents ready before you start your application process to gain acce to IDFC Wealth credit card benefits.

Identity Proof:

• PAN card
• Aadhaar card
• Voter ID
• Passport
• Driving licence

Address Proof:

• Aadhaar card
• Passport
• Utility bills (not older than 3 months)
• Ration card
• Registered rent agreement

Income Proof (Salaried):

• Latest salary slips (last 3 months)
• Bank statements (last 3 months)
• Employment letter or salary certificate

Income Proof (Self-employed):

• Latest income tax returns with computation
• Profit and loss account (last 2 years)
• Bank statements (last 6 months)

Additional Documents:

• Credit report
• Recent passport-sized photographs

The IDFC Wealth credit card eligibility considers both individual and family financial relationships for IDFC Wealth credit card benefits.

Conclusion

The IDFC First wealth credit card truly stands out with its exceptional IDFC Wealth credit card benefits. You get rewards, cashback, travel perks, and lifestyle privileges altogether. The IDFC Wealth credit card eligibility ensures exclusive access to deserving customers only. Apply today and unlock a world of premium experiences and IDFC Wealth credit card benefits.

FAQs

Q: What are the main IDFC Wealth credit card benefits?

A: You get 3X-10X reward points, airport lounge access, travel insurance, and cashback offers. The card also provides low forex markup and premium lifestyle privileges.

Q: Which credit card is best for defence employees?

A: The IDFC First wealth credit card is highly recommended for defence employees. It offers domestic and international lounge access across multiple airports nationwide. The card also provides insurance coverage and has a zero joining fee. You also get lifetime free benefits with this premium card.

Q: What is the minimum age and income requirement for the application?

A: You must be at least 21 years old to apply. The minimum net monthly income requirement is ₹25,000 for standard applicants. You also need to be an Indian resident with a permanent address. A good credit score with no faulty loan history is mandatory.

Q: What are the lounge and spa benefits with this card?

A: You get 2 domestic airport lounge accesses per quarter with 8 visits. You also receive 2 spa visits per quarter totalling 8 visits monthly. These benefits activate when you spend ₹20,000 monthly on the card. The card also provides complimentary roadside assistance for your vehicle needs.

Q: What are the main criticisms of the IDFC Wealth Credit Card?

A: The card requires a minimum spending of ₹60,000 per quarter for lounge visits. The reward rate is only 0.5 rupees per ₹100 spent currently. Some users feel the Wealth credit card lacks sufficient perks overall. However, the cancellation insurance covers up to ₹10,000 for flight bookings.

Q: Which is the best free international travel credit card for Indians to get approved?
A: The IDFC FIRST Wealth Credit Card is one of the best free options for Indians, offering 0% forex markup, complimentary international lounge access, travel insurance, and easy approval for high-income salaried professionals—making it ideal for frequent overseas travelers.
 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.