IDFC FIRST Bank · Premium · lifetime free
IDFC FIRST Wealth
Where it ranks across all 187 cards
#49 Flights
1.3%
direct
portal reaches 6.0%
#49 Hotels
1.3%
direct
portal reaches 6.0%
#53 Dining out
1.3%
direct
#56 Food delivery
1.3%
direct
#52 Wallet load
0.4%
direct
#75 Education
0.4%
direct
#107 Jewellery & watches
0.4%
direct
#111 Gaming
0.4%
direct
#119 Mobile / broadband
0.4%
direct
#136 Cabs & transit
0.4%
direct
#144 Health & pharmacy
0.4%
direct
#145 Other
0.4%
direct
#146 Electronics
0.4%
direct
#148 Groceries
0.4%
direct
#150 Movies & events
0.4%
direct
#152 Online shopping
0.4%
direct
#152 Fashion
0.4%
direct
#95 Insurance
0.1%
direct
#110 Utility bills
0.1%
direct
#162 Train tickets
0.1%
direct
28 May 2025
Reward structure overhauled: 10X-above-₹20K replaced by MCC tiers (10/3/1 per ₹200); points now expire in 24 months (were never-expiring).
Get an email if this card changes - sign in.
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.38%base rate
3 pts / ₹200
source
Source: IDFC FIRST Wealth card page (idfcfirst.bank.in) - idfcfirst.bank.in - read 22 Aug 2026
10 pts / ₹200 on dining, travel & international
1.25%this rule
10 pts / ₹200
source
Source: IDFC Wealth Reward T&C (bank PDF, verified Aug 2026) - idfcfirst.bank.in - read 20 Aug 2026
3 pts / ₹200 on rent, govt, wallet loads & education
0.38%this rule
3 pts / ₹200
source
Source: IDFC Wealth Reward T&C (bank PDF, verified Aug 2026) - idfcfirst.bank.in - read 20 Aug 2026
1 pt / ₹200 on insurance, utilities, railway & FASTag
0.13%this rule
1 pt / ₹200
source
Source: IDFC Wealth Reward T&C (bank PDF, verified Aug 2026) - idfcfirst.bank.in - read 20 Aug 2026
Via portals & vouchersdisplay, never ranks
App Travel & Shop: +20% RP on hotels, +10% on flights
via hopper · ~8,000 pts/month
source & note
Effective 18 Jan 2026: bonus RP worth 20% (hotels) / 10% (flights) of booking via IDFC app; bonus capped 8,000 RP/month. Modeled ~6% blended; portal label approximated.
Source: IDFC Wealth Reward T&C (bank PDF, verified Aug 2026) - idfcfirst.bank.in - read 20 Aug 2026
6.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on2 exclusions
Fuel
earns nothing
Fuel earns nothing (surcharge waiver provided); codes from the bank MITC category table.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: IDFC FIRST MITC (bank PDF) - idfcfirst.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI-converted transactions, loan-on-card, balance transfer and sub-₹200 transactions earn nothing.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: IDFC FIRST Wealth Reward Program T&C (bank PDF) - idfcfirst.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.