Cardfare / Cards / IDFC FIRST Wealth
IDFC FIRST Wealth: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one IDFC FIRST Reward Points unit at ₹0.25 (first wealth reward redemption value 1 rp = ₹0).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| IDFC FIRST app flights | 30 pts / ₹200 | 3.8% | Bonus Reward Points on app travel bookings capped at 8,000 per calendar month (cap applies to the bonus portion only) | Terms |
| IDFC FIRST app hotels | 50 pts / ₹200 | 6.3% | Bonus Reward Points on app travel bookings capped at 8,000 per calendar month (cap applies to the bonus portion only) | Terms |
| Dining out | 10 pts / ₹200 | 1.3% | — | Terms |
| Food delivery | 10 pts / ₹200 | 1.3% | — | Terms |
| Flights | 10 pts / ₹200 | 1.3% | — | Terms |
| Hotels | 10 pts / ₹200 | 1.3% | — | Terms |
| Rent | 3 pts / ₹200 | 0.4% | — | Terms |
| Tax & government | 3 pts / ₹200 | 0.4% | — | Terms |
| Wallet loads | 3 pts / ₹200 | 0.4% | — | Terms |
| Education fees | 3 pts / ₹200 | 0.4% | — | Terms |
| Bills & utilities | 1 pts / ₹200 | 0.1% | — | Terms |
| Insurance premiums | 1 pts / ₹200 | 0.1% | — | Terms |
| Trains | 1 pts / ₹200 | 0.1% | — | Terms |
| International spends | 10 pts / ₹200 | 1.3% | — | Terms |
| UPI payments | 1 pts / ₹200 | 0.1% | — | Terms |
| UPI payments | 3 pts / ₹200 | 0.4% | Min. ₹2,001 per transaction | Terms |
| Everything else | 3 pts / ₹200 | 0.4% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
Recent changes
-
BetterIDFC FIRST Bank· since 9 September 2026
IDFC FIRST removes forex markup on all credit cards
All IDFC FIRST credit cards, existing and new, now carry zero forex markup with no spend condition or upgrade needed. Reports conflict on whether most cards stop earning points on international spends from 26 October 2026; the bank's 18 September release said rewards continue as per each card's features.
Applies across IDFC FIRST Bank's cards
Source: Business Standard
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CutIDFC FIRST Bank· since 18 June 2026
IDFC FIRST points now expire after 24 months; movie offer needs spend
Reward points now expire 24 months after credit (existing balances stay valid until July 2028), points stop beyond the credit limit each cycle, and the buy-one-get-one movie offer needs ₹20,000 of spend in the previous calendar month. On FIRST Select, 10X on dining, travel and international now applies from the first transaction.
Cards: IDFC FIRST Select, IDFC FIRST Wealth, IDFC FIRST Millennia, IDFC FIRST Ashva, IDFC FIRST Mayura
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CutIDFC FIRST Bank· since 18 January 2026
IDFC FIRST lifetime-free cards now earn per ₹200 instead of ₹150
Classic, Select and Wealth cards now earn reward points per ₹200 spent instead of per ₹150, about a 25% cut. No points are earned in a cycle where the minimum due is missed, and FASTag and railway spends earn only 1X.
Cards: IDFC FIRST Classic, IDFC FIRST Select, IDFC FIRST Wealth
Source: Upstox News
Live offers for this card
- AmazonIDFC FIRST Bank· until 30 September 2026
10% off up to ₹3,250 on ₹10,000+ · card EMI only
10% instant discount up to ₹3,250 on IDFC FIRST Credit Card EMI
Offer terms · verified 23 Sept 2026
- EaseMyTripIDFC FIRST Bank· until 30 September 2026
12% off up to ₹2,000 on ₹3,500+ · card EMI only
12% off domestic flights with IDFC FIRST credit card EMI · Code IDFC3EMI
Offer terms · verified 24 Sept 2026
- EaseMyTripIDFC FIRST Bank· until 30 September 2026
10% off up to ₹6,000 on ₹10,000+ · card EMI only
10% off international flights with IDFC FIRST credit card EMI · Code IDFC3EMI
Offer terms · verified 24 Sept 2026