Do the reward points accrued on the IDFC FIRST Wealth credit card have an expiry date?

There is no expiry date for the reward points accrued on your credit card. You can redeem the points whenever you want to.

What is the minimum and maximum amount that can be charged as late payment fee?

While 15 percent of the total amount due on the card is charged as late payment fee, it is subject to a minimum of Rs.100 and a maximum of Rs.1,000.

Is reward point earning and 10X threshold applicable on fuel spends?

No, it is not applicable on fuel spends. For fuel spends, you can avail waiver of fuel surcharge up to Rs.300 every month.

Under comprehensive travel insurance cover, how much can I get for loss for check-in baggage?

Under that coverage, you are liable to get $500.

What comes under the ambit of comprehensive travel insurance cover?

Under the comprehensive travel insurance cover, you can stake a claim for loss of check-in baggage, passport and other documents. It also covers delay in delivery of check-in baggage and flights delays.

IDFC FIRST Bank Wealth Credit Card

The IDFC FIRST Bank Wealth Credit Card offers up to 10X reward points. It comes with 1.5% Forex Markup, complimentary access to airport lounges and select spas, travel insurance, accident cover privileges, and other benefits. You are also allowed interest-free cash withdrawals for up to 48 days. The interest rate for the credit card ranges between 0.75% and 2.99% per month.

Key Highlights of the IDFC FIRST Bank Wealth Credit Card

Avail 10X reward points on all spends above Rs.20,000 per month on your birthday
Earn 3X reward points on spends till Rs.20,000 in a statement cycle.
Earn 1X reward point for every Rs.100 spent

Benefits and Privileges of IDFC FIRST Bank Wealth Credit Card

Category	Benefits
Joining Benefits	You get gift vouchers of Rs.500 for spending Rs.5,000 within 30 days of card set-up. Up to Rs.1,000 cashback is offered on first EMI transaction if performed within 30 days of card set-up.
Super Privileges	Waiver of fuel surcharge up to Rs.300 every month at all fuel stations Free Road Side Assistance (RSA) worth Rs.1,399 Complimentary golf rounds 1+1 offer on movie tickets of up to Rs.250, twice in a month 300+ in app discount offers can be availed Avail 20% discount on 1500+ restaurants Avail up to 15% discount on 3000+ health and wellness outlets
Other Privileges	For every calendar quarter, enjoy 4 complimentary domestic and international airport lounge and spa visits as well as 4 railway lounge visits. Get personal accident cover of Rs.10 lakh (to avail, you need to carry out at least 1 transaction in the previous month) Get air accident cover of Rs.1 crore (to avail, you need to carry out at least 1 transaction in the previous month) Get comprehensive travel insurance cover worth $1200 Get complimentary lost card liability cover of Rs.50,000

Fees and Charges of IDFC FIRST Bank Wealth Credit Card

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

Documents Required for IDFC FIRST Bank Wealth Credit Card

You will need to submit the documents listed below in order to avail the IDFC FIRST Wealth Credit Card:

Identity Proof	Aadhaar Card Passport Driving License
Address Proof	Passport Voter ID Aadhaar Card Ration Card
Income Proof	Salary Slip IT Returns Form 16

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FAQs on IDFC FIRST Wealth Credit Card

Do the reward points accrued on the IDFC FIRST Wealth credit card have an expiry date?
There is no expiry date for the reward points accrued on your credit card. You can redeem the points whenever you want to.
What is the minimum and maximum amount that can be charged as late payment fee?
While 15 percent of the total amount due on the card is charged as late payment fee, it is subject to a minimum of Rs.100 and a maximum of Rs.1,000.
Is reward point earning and 10X threshold applicable on fuel spends?
No, it is not applicable on fuel spends. For fuel spends, you can avail waiver of fuel surcharge up to Rs.300 every month.
Under comprehensive travel insurance cover, how much can I get for loss for check-in baggage?
Under that coverage, you are liable to get $500.
What comes under the ambit of comprehensive travel insurance cover?
Under the comprehensive travel insurance cover, you can stake a claim for loss of check-in baggage, passport and other documents. It also covers delay in delivery of check-in baggage and flights delays.

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