IDFC FIRST Wealth Credit Card, Rewards and Benefits, Joining Fees Charges, Apply Online
- IDFC FIRST Wealth Credit Card: HDFC Bank and Paytm, two prominent names in the Indian financial and digital payment landscape, have joined forces to introduce a co-branded offering aimed at enhancing the digital payment experience for users. This collaboration brings together HDFC Bank’s extensive banking services and Paytm’s innovative digital payment solutions to create a seamless and rewarding experience for customers.
- The co-branded offering encompasses a range of benefits and features tailored to meet the evolving needs of modern consumers. Users can expect a seamless integration of HDFC Bank’s banking services with Paytm’s digital payment platform, allowing for convenient access to a wide array of financial services, including banking, payments, and more.
- One of the key highlights of this collaboration is the integration of Paytm’s popular digital wallet with HDFC Bank’s banking services, enabling users to easily manage their finances and make digital transactions with ease. Additionally, the co-branded offering may include exclusive discounts, cashback offers, and rewards programs to incentivize users for using the integrated platform for their financial needs.
- Moreover, the collaboration may extend to co-branded credit and debit cards, offering users additional benefits such as cashback on transactions, rewards points, and exclusive offers on various partner merchants. This would further enhance the value proposition of the co-branded offering and attract more users to adopt the integrated platform for their banking and payment needs.
- Overall, the HDFC Bank and Paytm co-branded offering represents a strategic partnership aimed at leveraging each other’s strengths to provide customers with a comprehensive and rewarding digital banking and payment experience. With a focus on convenience, innovation, and value, this collaboration is poised to redefine the way users engage with financial services in the digital age.
| Fees | Joining Fee-Nil Renewal Fee- Nil |
| Best Suited For |
Shopping |
| Reward Type | Reward Points |
| Welcome Benefits |
Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days
|
Rewards and Benefits
- Movie & Dining Delights:- Enjoy the ultimate cinematic experience with our exclusive Buy One Get One offer on movie tickets, available twice every month on the Paytm app. Plus, relish delectable cuisines at over 1,500 restaurants nationwide with up to 20% discount on your bill.
- Rewarding Experience:- Earn rewards effortlessly with every swipe of your card. Get 3 Reward Points for every Rs. 100 spent offline, double the points with 6 Reward Points for every Rs. 100 spent online, and an impressive 10 Reward Points per Rs. 100 on spends exceeding Rs. 30,000.
- Redeem Your Rewards:- Your Reward Points hold incredible value and can be redeemed on our exclusive Poshvine redemption portal for shopping vouchers from a wide array of popular brands. Enjoy a seamless redemption process with just a convenience fee of Rs. 99 plus taxes.
- Travel in Style: Travel like a VIP with 4 complimentary international and domestic lounge access passes annually, ensuring you start your journey in utmost comfort and luxury. Additionally, pamper yourself with spa visits to unwind amidst your travels.
- Perfect Your Swing:- Embrace your passion for golf with complimentary rounds each month. For every Rs. 20,000 spent in the previous month, enjoy up to 2 complimentary golf rounds, allowing you to perfect your game at premier golf courses.
- Unmatched Lounge Access:- Relax and rejuvenate with up to 4 free visits to domestic airport lounges per quarter, offering you a sanctuary amidst the hustle and bustle of travel. Additionally, enjoy up to 4 complimentary international lounge visits per quarter, ensuring your global travels are nothing short of luxurious.
- Peace of Mind with Insurance:- Travel with confidence knowing you’re covered with our comprehensive insurance benefits. From accidental air death insurance worth Rs. 1 crore to personal accident coverage of Rs. 10 lakh, and lost card liability cover of Rs. 50,000, we’ve got you protected every step of the way.
- Zero Liability Protection:- Rest easy knowing you’re safeguarded against unauthorized transactions with our zero liability protection. In the unlikely event of a lost card, enjoy peace of mind with our lost card liability cover of Rs. 50,000.
Fees & Charges
- Spend-Based Waiver:- Enjoy the freedom of no spend-based waiver, allowing you to make the most of your card without any restrictions.
- Seamless Rewards Redemption:- Unlock a world of rewards with ease. Redeem your accumulated points effortlessly on our platform, with a nominal redemption fee of just Rs. 99 plus taxes.
- Global Accessibility:- Travel the world with confidence, knowing that your card is accepted everywhere. With a foreign currency markup of just 1.5% + GST, indulge in international transactions without worrying about hefty fees.
- Competitive Interest Rates:- Benefit from competitive interest rates tailored to your credit history, ranging from 0.75% to 3.5% per month. Enjoy peace of mind knowing that your financial needs are well taken care of.
- Fuel Surcharge Waiver:- Hit the road with ease and enjoy a hassle-free journey. Our card offers a 1% fuel surcharge waiver at all authorized fuel stations, with a maximum waived amount capped at Rs. 400 per month.
- Cash Advance Convenience:- Access cash whenever you need it, with a nominal cash advance charge of just Rs. 199 per transaction. Experience unparalleled convenience at your fingertips.
- Complimentary Add-On Card:- Share the benefits of your card with your loved ones. Enjoy the convenience of an add-on card at no additional cost, making it easier for your family to experience the perks of luxury.
Product Details
- Embark on a journey of rewards from the moment you acquire this prestigious card. Receive a generous gift voucher worth Rs. 500 upon spending just Rs. 15,000 within the initial 90 days. Delight in a lavish 5% cashback on your inaugural EMI transaction within 30 days of card activation, setting the stage for a truly rewarding relationship.
- Experience the epitome of online indulgence with an astonishing 6x Rewards on all your digital spends. For offline purchases up to Rs. 30,000, relish the privilege of earning 3x Reward Points, ensuring that every transaction contributes to your wealth of benefits. Seize the opportunity to earn 10x Reward Points on substantial spends exceeding Rs. 30,000, amplifying your rewards with every sizable purchase. Celebrate your special day in grandeur with an exclusive 10x Reward Points bonus on all transactions made on your birthday, making it a truly memorable occasion.
- Indulge in international escapades with peace of mind, thanks to our low interest rates ranging from 0.75% to 3.5% and minimal foreign currency markup of just 1.5%. Enhance your travel experience with four complimentary airport lounge accesses and spa visits every quarter, ensuring that your journey is as rejuvenating as it is seamless.
- Unwind amidst luxury and leisure with up to two complimentary rounds of golf each month upon spending Rs. 20,000 monthly, adding a touch of refinement to your recreational pursuits. Safeguard your adventures with comprehensive insurance coverage, including an air accident cover worth Rs. 1 crore and a personal accident cover worth Rs. 10 lakh, providing you with unparalleled peace of mind.
- Bid farewell to fuel surcharges with our exclusive 1% waiver, further enhancing the value of every transaction. With this revolutionary credit card, the possibilities are endless, offering a gateway to a world of opulence and rewards unlike any other. Elevate your banking experience today and embark on a journey of unparalleled luxury and convenience.
Pros/Cons
Benefits:
Elevate your financial experience with the IDFC FIRST Wealth Credit Card, offering unparalleled advantages tailored to your lifestyle. Enjoy the freedom of a lifetime-free card, devoid of any annual charges or fees, ensuring you maximize your savings without any hidden costs.
Indulge in a warm welcome with complimentary vouchers worth Rs. 500, allowing you to kickstart your journey with a touch of luxury and convenience.
Drawbacks:
Despite its numerous perks, the IDFC FIRST Wealth Credit Card falls short in its reward rate. With each reward point equivalent to just Re. 1, the card may not offer the optimal value for those seeking robust rewards and benefits.
IDFC FIRST Wealth Credit Card Features and Benefits
IDFC FIRST Wealth Credit Card, a premium offering that redefines the essence of luxury. Designed to cater to your discerning tastes, this card brings forth a multitude of privileges across various categories, ensuring every aspect of your lifestyle is enhanced to perfection. Let’s explore the remarkable features and benefits that set this card apart:
Welcome Rewards
Upon reaching a spend milestone of Rs. 15,000 within 90 days of card activation, delight in welcome gift vouchers worth Rs. 500. Additionally, enjoy a generous 5% cashback on your first EMI purchase made within 30 days of card setup, adding a touch of excitement to your initial transactions.
Cinematic and Culinary Delights
Immerse yourself in the world of entertainment and gastronomy with exclusive perks. Revel in the BOGO offer on movie tickets via the Paytm app, with up to 2 complimentary tickets every month, each capped at Rs. 500. Indulge your palate with up to 20% instant discounts on dining bills at a vast network of over 1500 restaurants, elevating your dining experiences to new heights.
Luxurious Travel Privileges
Embark on journeys enriched with luxury and convenience, courtesy of our travel benefits. Enjoy access to 4 complimentary domestic and international airport lounges per quarter, alongside 4 complimentary railway lounge visits. Avail of complimentary airport meet and greet services with discounts on fast track immigration and other amenities at over 450 global destinations. Experience seamless travel with discounts on airport limousine services across 3000 cities in over 80 countries. Our concierge service stands ready to assist you in booking flights, hotels, dining reservations, and more. Unwind and rejuvenate with complimentary spa visits every quarter, ensuring your travels are as rejuvenating as they are memorable.
Exquisite Golfing Privileges
For the avid golfer, our card offers unparalleled benefits. Receive a complimentary golf round for every Rs. 20,000 spent in the previous month, with the opportunity to enjoy up to 2 complimentary rounds each month, allowing you to perfect your game at premier golf courses.
Comprehensive Insurance Coverage
Travel with peace of mind, knowing you’re covered by our comprehensive insurance benefits. Enjoy extensive coverage including travel-related insurance, ensuring you’re protected against unforeseen circumstances wherever your journeys take you.
Experience the epitome of luxury and convenience with the IDFC FIRST Wealth Credit Card. Apply now and unlock a world of extraordinary privileges that cater to your every need and desire.
| Catagory | Cover amount |
| Air accident | Rs. 1 crore |
| Loss of check-in baggage | USD 500 |
| Delay of check-in baggage | USD 100 |
| Loss of passport or other documents | USD 300 |
| Flight Delay | USD 300 |
IDFC FIRST Wealth Credit Card, meticulously crafted to cater to the discerning tastes of the modern elite. Offering a plethora of exclusive privileges across various categories, this premium card is designed to elevate every aspect of your lifestyle. Let’s delve into the extraordinary features and benefits that set this card apart:
Unrivaled Welcome Rewards
Upon achieving a spend milestone of Rs. 15,000 within 90 days of card activation, savor the delight of welcome gift vouchers worth Rs. 500. Additionally, relish a generous 5% cashback on your first EMI purchase made within 30 days of card setup, adding a touch of excitement to your initial transactions.
Cinematic and Gastronomic Delights
Immerse yourself in a world of entertainment and culinary excellence with exclusive perks. Enjoy a BOGO offer on movie tickets via the Paytm app, with up to 2 complimentary tickets every month, each capped at Rs. 500. Indulge your palate with up to 20% instant discounts on dining bills at over 1500 restaurants, elevating your dining experiences to new heights.
Luxurious Travel Privileges
Embark on journeys enriched with luxury and convenience, courtesy of our travel benefits. Access 4 complimentary domestic and international airport lounges per quarter, along with 4 complimentary railway lounge visits. Enjoy complimentary airport meet and greet services with discounts on fast track immigration and other amenities at over 450 global destinations. Experience seamless travel with discounts on airport limousine services across 3000 cities in over 80 countries. Our concierge service stands ready to assist you in booking flights, hotels, dining reservations, and more. Unwind and rejuvenate with complimentary spa visits every quarter, ensuring your travels are as rejuvenating as they are memorable.
Exquisite Golfing Privileges
For the avid golfer, our card offers unparalleled benefits. Receive a complimentary golf round for every Rs. 20,000 spent in the previous month, with the opportunity to enjoy up to 2 complimentary rounds each month, allowing you to perfect your game at premier golf courses.
Comprehensive Insurance Coverage
Travel with peace of mind, knowing you’re covered by our comprehensive insurance benefits. Enjoy extensive coverage including travel-related insurance, personal accident cover worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000, ensuring you’re protected against unforeseen circumstances wherever your journeys take you.
Rewarding Points System
Maximize your rewards with our generous points system. Earn 3x Reward Points on all offline spends (up to Rs. 30,000), 6x Reward Points on all online spends (up to Rs. 30,000), and 10x Reward Points on incremental spends of Rs. 30,000. Additionally, enjoy 10x Reward Points on all spends on your birthday. With no expiration date, your Reward Points are yours to redeem whenever you desire.
Seamless Redemption
Redeem your accumulated Reward Points effortlessly on the Poshvine reward portal for shopping vouchers from popular e-commerce websites, including Amazon, Flipkart, Myntra, and more. Each Reward Point holds a monetary value of Rs. 0.25, ensuring you get the most out of your rewards.
Fee and Charges
Enjoy the benefits of a lifetime-free card, with no annual or joining fees. Benefit from competitive interest rates ranging from 0.75% to 3.5% per month. Experience hassle-free foreign currency transactions with a nominal fee of 1.5% of the total transaction amount. Avail cash withdrawal convenience with a minimal fee of Rs. 199 per transaction.
Eligibility Criteria and Application Process
Fulfilling the eligibility requirements is simple. Applicants must be at least 21 years old, with a minimum annual income of Rs. 36 lakh. With a seamless application process, getting approved for the IDFC FIRST Wealth Credit Card is quick and easy.
Customer Care
For any assistance or to report a lost card, our dedicated customer care team is available 24×7. Simply dial 1860 500 1111 for prompt assistance.
In Conclusion
The IDFC FIRST Wealth Credit Card offers a wealth of benefits, from its lifetime-free membership to its extensive range of privileges. While the monetary value of Reward Points may be comparatively less, the overall benefits far outweigh this minor drawback. If you’re in search of a premium credit card that offers unparalleled luxury and convenience, the IDFC FIRST Wealth Credit Card is the perfect choice for you. Share your thoughts on this exceptional card in the comments below, and discover why IDFC FIRST Bank’s strategy of offering lifetime-free membership is revolutionizing the credit card industry.
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