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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
IDFC FIRST · Visa

FIRST Wealth Credit Card

Best forDining & Food Delivery
Earns10 RP/₹200 on dining
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Visa
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Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on dining and food delivery, where it earns 10 RP/₹200
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Dining10 RP/₹200
Food Delivery10 RP/₹200
Travel10 RP/₹200
Groceries3 RP/₹200
Shopping3 RP/₹200
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot a good fit—3 RP / ₹200 on rent (MCC 6513)
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on rent (MCC 6513). 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-04-RENT → net-negative return. DO_NOT_RECOMMEND per fiduciary protection.
EducationNot a good fit—3 RP / ₹200 on Education
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on Education. Third-party aggregator (CH02) incurs 1% fee + 18% GST (min ₹249 per FR-IDFC-04-EDU) → net-negative. DO_NOT_RECOMMEND per fiduciary protection.
Insurance1 RP/₹200—1 RP / ₹200 on Insurance (MCC 6300)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
1 RP / ₹200 on Insurance (MCC 6300). 1X reduced tier per official IDFC Wealth terms. Not eligible for 10X accelerated categories.
Utilities1 RP/₹200—1 RP / ₹200 on Utilities (MCCs 4814/4816/4899/4900)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
1 RP / ₹200 on Utilities (MCCs 4814/4816/4899/4900). 1X tier. 1% fee on monthly aggregate > ₹20,000 per FR-IDFC-04-UTIL. Personal usage ≤ ₹20k/mo is fee-free.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions explicitly excluded from reward points. 1% surcharge waiver for txns ₹200–₹5,000, max ₹300/mo. GST on surcharge is not waived.
Groceries3 RP/₹200—3 RP / ₹200 on Groceries
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on Groceries. Part of general 3X retail tier. Not in 10X Dining/Travel accelerated categories.
Dining10 RP/₹200—10 RP / ₹200 on Dining (MCCs 5812, 5813, 5814) from first eligible transaction
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
10 RP / ₹200 on Dining (MCCs 5812, 5813, 5814) from first eligible transaction. COND-IDFC-04-10X-DINING-TRAVEL applies. No spend threshold required.
Food Delivery10 RP/₹200—10 RP / ₹200 on Food Delivery (MCCs 5812, 5814)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
10 RP / ₹200 on Food Delivery (MCCs 5812, 5814). Bank officially includes food delivery in 10X Dining definition from first eligible transaction. COND-IDFC-04-10X-DINING-TRAVEL applies.
Shopping3 RP/₹200—3 RP / ₹200 on Shopping (online and offline retail)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on Shopping (online and offline retail). Part of general 3X retail tier.
Travel10 RP/₹200—10 RP / ₹200 on Travel (airlines, hotels, portals MCCs 3000–3350, 3501–3853, 7011, 4511, 4722, 4723) and International from first eligible transaction
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
10 RP / ₹200 on Travel (airlines, hotels, portals MCCs 3000–3350, 3501–3853, 7011, 4511, 4722, 4723) and International from first eligible transaction. COND-IDFC-04-10X-DINING-TRAVEL applies. Low 1.5% forex markup on intl spends.
Government3 RP/₹200—3 RP / ₹200 on Government payments (municipal/tax portals)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on Government payments (municipal/tax portals). Not in 10X Dining/Travel categories.
Wallet3 RP/₹200—3 RP / ₹200 on Wallet loads (MCC 6540)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on Wallet loads (MCC 6540). Not in 10X Dining/Travel categories.
Railways1 RP/₹200—1 RP / ₹200 on Railways (MCCs 4111, 4112, 4011)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
1 RP / ₹200 on Railways (MCCs 4111, 4112, 4011). 1X reduced tier. 1% fee on total railway spend if cycle spend > ₹25,000 per January 2026 fair usage update.
FASTag1 RP/₹200—1 RP / ₹200 on FASTag recharges (MCC 4784)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
1 RP / ₹200 on FASTag recharges (MCC 4784). 1X reduced tier. 1% fee on total FASTag recharge if cycle spend > ₹10,000 per January 2026 fair usage update.
Jewellery3 RP/₹200—3 RP / ₹200 on Jewellery retail purchases
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
3 RP / ₹200 on Jewellery retail purchases. Part of general 3X retail tier.
Telecom1 RP/₹200—1 RP / ₹200 on Telecom (MCCs 4812, 4814 — mobile, broadband, postpaid/prepaid, DTH)
Details
Status
Verified
Source
SRC-IDFC-WEALTH
Issuer note
1 RP / ₹200 on Telecom (MCCs 4812, 4814 — mobile, broadband, postpaid/prepaid, DTH). 1X reduced tier per official IDFC Wealth terms.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Fuel — ₹300 / statement (per category — Fuel)

Key benefits

Rewards
10 RP/₹200 on dining
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹300 per month per CAP-IDFC-04-FUEL-WAIVER
Foreign-currency markup
1.5% foreign-currency markup — Ultra-low 1.5% + 18% GST forex markup on international transactions (IDFC FIRST Wealth standard forex rate)

Important to know

Limits and exclusions that change what you earn.

  • Fuel rewards are capped at ₹300 / statement (per category — Fuel)
  • No reward on: Fuel
  • Not recommended for: Rent, Education

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in dining, food delivery, travel
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 3 no-reward categories
Caps
  • Fuel — ₹300 / statement (per category — Fuel)
Categories with no reward or not eligible
  • Rent — Not a good fit. 3 RP / ₹200 on rent (MCC 6513).
  • Education — Not a good fit. 3 RP / ₹200 on Education.
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Bank eligibility / internal underwriting

Specifications
  • Payment network: Visa
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹300 per month per CAP-IDFC-04-FUEL-WAIVER. GST is not waived.
  • Foreign-currency markup: 1.5% foreign-currency markup — Ultra-low 1.5% + 18% GST forex markup on international transactions (IDFC FIRST Wealth standard forex rate).
What DhanChakshu couldn't fully verify · 1 area

1 area needs further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Official product page: https://www.idfcfirstbank.com/

Documents used
Official IDFC FIRST Bank FIRST Wealth Credit Card terms (May 2026 circular). Confirms: 10X on Dining (incl. food delivery MCCs 5812, 5813, 5814), Travel (MCCs 3000-3350, 3501-3853, 7011, 4511, 4722, 4723), and International from first eligible transaction (w.e.f. June 18, 2026); 3X other retail; 1X Insurance, Utilities, Railways, FASTag; 0 on Fuel; Lifetime Free; 1.5% forex markup; fuel waiver cap ₹300/mo; 1 RP = ₹0.25; reward base ₹200/RP; points valid 24 months from credit; rewards capped up to credit limit per billing cycle. · SRC-IDFC-WEALTH
Official IDFC FIRST Wealth Credit Card Important Update (January 2026 circular w.e.f. 18 Jan 2026). Confirms: Revision of reward earning base to ₹200 per RP (10X = 10 RP / ₹200, 3X = 3 RP / ₹200, 1X = 1 RP / ₹200); 1% fee on total FASTag if > ₹10,000/cycle; 1% fee on total Railway if > ₹25,000/cycle; 1.5% forex markup; 1 domestic + 1 intl lounge visit/quarter on ₹20k spend; 1 golf access/quarter on ₹20k spend. · SRC-IDFC-WEALTH-JAN26
IDFC FIRST Bank — "Important update regarding your IDFC FIRST Bank Credit Card" (changes w.e.f. 20 Feb 2025) · SRC-IDFC-UPDATE-2025-02 · 2026-09-30
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