IDFC FIRST Wealth Credit Card

Apply for the best credit card of Idfc First Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
IDFC FIRST Wealth Credit Card
  • Best suitable for: Shopping
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Idfc First Wealth Credit Card

IDFC FIRST Wealth Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:3.65% per month (43.8% annually)
Spend Based Waiver:Lifetime Free
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 550/-
Rent Payment charges1% of transaction value, subject to minimum of 249 per transaction
Forex Charges:1.5% of the transaction value
Minimum Repayment Amount:5% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:2% of the payment amount subject to min of Rs. 500
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 100NIL
Above 100/- and up to 500/-100
Above 5,00/- and up to 5,000/-750
Above 5,000/- and up to 8,000/-1200
Above 8,000/- and up to 10,000/-1300
Above 10,000/-1300

IDFC FIRST Wealth Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net Annual income of 36Lakh- or more
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

IDFC FIRST Wealth Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 199/- Per transaction
Cash Advance Withdrwan Limit: Upto 40% of the card limit
Cash Payment at Bank Branch: NIL

IDFC FIRST Wealth Credit Card: Customer care and helpline

Customer care : 180010888
Email Address : [email protected]
Mailing Address: The Square,C-61, G Block, Ground Floor To 8th Floor Bandra Kurla Complex, Bandra East, Mumbai - 400051

Add-on Card facility: NIL

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: 99 per redemption transaction

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 200 to 5,000 and Maximum of 400 per month.

FAQ of IDFC FIRST Wealth Credit Card

Q1. What is the annual fee of IDFC FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the IDFC FIRST Wealth Credit Card?
The IDFC FIRST Wealth Credit Card has an interest rate of 3.65% per month (43.8% annually)

Q3. Are there foreign transaction fees on the IDFC FIRST Wealth Credit Card?
Yes, The IDFC FIRST Wealth Credit Card charges a 1.5% fee for all transactions in foreign currency .

Q4. What is the credit limit of IDFC FIRST Wealth Credit Card?
The credit limit for the IDFC FIRST Wealth Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Idfc First Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Idfc First Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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