IDFC FIRST Wealth Credit Card Apply – Review, Details & Benefits: So friends, now you must have come to know that in today’s article we will provide you information about IDFC First Bank Wealth Credit Card such as what is IDFC FIRST Wealth Credit Card, how can you apply, apart from taking this credit card. What are the documents required, terms and conditions, eligibility, fees and charges for
Here you will also get some important information about IDFC FIRST Wealth Credit Card. For this you have to read this article till what time.
Friends, at present, many platforms, banks, finance companies are launching their credit cards, which come with different benefits and cashback offers, if you want to avail rewards points, cashback, travel, airport lounge, forex markup etc. If you want to take, then you can choose the IDFC FIRST Wealth Credit Card launched by IDFC First Bank, where you can get the highest cashback offer, at low interest rate, on minimum documents.
IDFC FIRST Wealth Credit Card
The IDFC First Bank Wealth Credit Card allows users to offer 10X reward points, which is much higher than other credit cards. Here only 1.5% forex markup, airport lounge and select spas, travel insurance, accident cover privileges and other benefits can prove to be beneficial option. If you want to take a credit card at an early time, then it helps to increase your credit score, increase the credit limit.
This credit card comes with no joining fee, annual fee, and this credit card also allows you to withdraw money without interest for 48 days. This credit card can be obtained with very low interest rate, minimum documents, without paperwork.
Read Also: Bajaj Finserv Credit Card
IDFC FIRST Bank Wealth Credit Card Details
Some important information about IDFC First Bank Wealth Credit Card is mentioned in the table below.
| Card Name | IDFC FIRST Wealth Credit Card |
| Card Type | Rewards Card |
| Best Suited For | Unlimited Reward Points, Travel privileges, Entertainment benefits |
| Welcome Benefits | Gift vouchers worth Rs. 500 and 5% cashback on first EMI transaction |
| Reward Rate | Offline Purchases: 3% | Online Purchase: 6% |
| Key Feature | Up to 10X Reward Points that never expire |
| Joining Fee | Nil (Lifetime Free Credit Card) |
| Card Ratings | 4/5 |
IDFC First Bank Wealth Credit Card Documents Required
The following documents are required to avail the IDFC First Bank Wealth Credit Card, as shown in the table below.
| Identity Proof |
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| Address Proof |
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| Income Proof |
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Terms and Conditions for availing IDFC First Bank Wealth Credit Card
Following are the terms and conditions eligibility for availing IDFC First Bank Wealth Credit Card, you can get this credit card if you follow these terms and conditions.
IDFC First Credit Cards are currently offered only to existing customers of the bank, hence the eligibility criteria are not quite clear.
- To take this card, the applicant should be above 21 years of age and should have an active income source.
- For this credit card, the applicant should have address proof, identity proof, KYC documents approved by the Government of India.
- The credit score of the applicant should be good.
- To apply for a credit card, the applicant’s monthly minimum salary should be more than ₹25000.
Note : IDFC First Bank offers this credit card in select cities of India. If you live in a rural area, you may not get this credit card. Approval gets done quickly in metro city.
Read Also: HDFC Infinia Credit Card
Fees and Charges for IDFC FIRST Bank Wealth Credit Card
For IDFC First Bank Wealth Credit Card, you have to pay certain fees and charges which are shown in the table below.
| Type of Charge | Amount |
|---|---|
| Joining fee | NIL |
| Over limit fee | NIL |
| Reward redemption fee | NIL |
| Credit Card Interest Rate | 0.75% to 2.99% per month |
| foreign exchange markup | 1.5% |
| Late payment fee | 15% of total amount due |
| Domestic and International cash advance fee | Rs.250 |
Benefits of IDFC FIRST Bank Wealth Credit Card
This is a rewards credit card offered by IDFC First Bank, which offers the highest 10X reward point cashback offer in India, the main features of this card are as follows.
- Can be used for life time without any annual fee.
Here you will get over-limit fee. no fee is to be paid. - Get 10X Reward Points on all expenses above Rs.20,000.
- You can get 10X Reward Points on all the spends made on your birthday.
- Get 6X Reward Points for all online spends.
- One can get 3X reward points for all offline spends.
- Get 1X Reward Points for every Rs.100 spent.
- You can avail this card for 48 days at Domestic and International ATMs without any interest, here (upfront charges for cash withdrawal only ₹ 250 per transaction).
- On this credit card, you will get an interest of minimum 0% and maximum 0.75 per month and 9% every year which is less than all the credits.
- The rewards you will get on this credit card can be used here without any reward-redemption fee.
Note : Rewards points, cashback offers given here will never expire, and you can use them to make online payments.
Read Also: Bajaj Finserv EMI Card
More Additional Benefits:
If You Apply For This Credit Card You Will Get Welcome Gift Watchers You Spend Above Rs 15,000 Within 90 Days When Your Card Is Completely Set You Will Also Get 5% Cashback On Your First EMI Transaction Performed Within 90 Days The card has to be set inside.
IDFC FIRST Bank Wealth Credit Card Customer Care No.
If you face any kind of problem then you can get the solution of your problem by talking to the customer officer of IDFC First Bank, apart from this you can also get the solution through live chat on the official website.
- IDFC FIRST Bank customer toll-free is 18605001111.
- Rural Banking 1800 419 8332
- Loans 1860 500 9900
- Credit Card 1860 500 1111
Read Also: SBI Aurum Credit Card
IDFC FIRST Bank Wealth Credit Card Apply Online
You can follow the steps mentioned below to apply for IDFC First Bank Wealth Credit Card.
Step 1. You have to visit IDFC FIRST Bank Wealth Credit Card official website
Step 2. Now click on Apply Now.
Step 3. After this submit the Aadhar Card, PAN Card, Date of Birth.
Step 4. After this, verify the OTP with your mobile number.
Step 5. Now submit your PAN card, pin code, address.
Step 6. Now you have to click on Proceed.
Step 7. After this select occupation, net income, credit card.
Step 8. After this submit the application form, now you get the credit limit, then you can activate this card through the application and use it.
Keep in mind : If you use the credit card properly, then it can prove to be effective for you, otherwise it does not delay in turning your happiness into sorrow. Therefore, use the card wisely, if it is not needed then do not take a credit card.
Read Also: PAYTM Credit Card
My IDFC FIRST Bank Wealth Credit Card Review
If I tell about my personal experience, IDFC FIRST Bank Wealth Credit Card offered by IDFC First Bank can be used for life time without any joining fee, without any annual fee.
The most important thing about this credit card is that with the help of this card, most of the customers can save up to ₹ 10400 in a year. Which is much higher than other credit cards. This credit card can be used to avail cashback offers.
Disclaimer : Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, Month- Year, do not share personal information with anyone.
Conclusion:
In this article I have told what is IDFC FIRST Bank Wealth Credit Card, how can apply, fees and charges of this credit card, benefits, some important questions related to credit card have been provided. For more information you can follow us on social media platform, thank you very much for giving your valuable time for this post!
IDFC FIRST Wealth Credit Card FAQ’s
Q1. Are there any joining/membership/annual charges on IDFC First Bank Credit Card?
Ans. No joining/membership/annual charges are applicable on any IDFC First Bank Credit Card. This credit card is free for life time, there is no hidden charging.
Q2. What is the interest rate charged on IDFC First Bank Credit Card?
Ans. The IDFC First Bank Credit Card has one of the lowest interest rates in the country, so it will not put a strain on your pocket if you cannot pay your entire monthly dues in one go.
IDFC First Bank offers low interest rates ranging from 9% to 36% p.a. Generally, other credit cards charge interest rates as high as 42% per annum. The interest rate here is between 0.75% and 2.99% per month.
Q3. Can I use my credit card to withdraw money from an ATM?
Ans. Yes you can, here you really get a lot of benefit where you can take 48 days without interest to withdraw money from all ATMs. Apart from this, with this credit card, you can withdraw money in India or even when you are abroad.
Q4. Can a student take this credit card?
Ans. No, a student cannot apply for a credit card, as this credit card is given to people above the age of 21 years, and it is mandatory to have an income source.
Q5. In how many days does the IDFC First Bank Credit Card Welcome Kit get delivered at home?
Ans. IDFC First Bank Credit Card Welcome Kit is delivered at home via post in 15 to 20 days. You can activate it through IDFC First Bank Mobile App.