IDFC FIRST Wealth Credit Card
Higher-income professionals who travel internationally and refuse to pay an annual fee for it.
Main trade-off
Income eligibility for this tier is meaningfully higher than the Classic/Select variants below it.
Direct comparison
Compare 2 credit cards
Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | IDFC FIRST Bank IDFC FIRST Wealth Credit Card | HDFC Bank Shoppers Stop Black HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | HDFC Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | ₹4,500 + GST per year |
| Annual fee waiver | Not required | No waiver recorded |
| Base reward rate | 0.4% | 2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Birthday-month rewards | 2% · Other eligible purchases |
| International spending | 1.3% · Birthday-month rewards | 2% · Other eligible purchases |
| Travel & hotels | 1.3% · Birthday-month rewards | 2% · Other eligible purchases |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Approx. ₹3,00,000/month | Approx. ₹70,000/month |
| Terms verified | 13 Sept 2026 | 23 Sept 2026 |
| Best suited to | Higher-income professionals who travel internationally and refuse to pay an annual fee for it. | Frequent Shoppers Stop customers who travel often enough to value the lounge package. |
| Main trade-off | Income eligibility for this tier is meaningfully higher than the Classic/Select variants below it. | Cash redemption values points at only ₹0.20; the ₹1 rate is for Shoppers Stop vouchers. Store and non-store earn have separate monthly caps, and no annual-fee waiver is published. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Your spending
Which card gives you more value?
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
Monthly total
₹0
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
Merchant-specific bonuses are not assumed for broad categories. The calculation uses the verified general eligible rate unless a qualifying merchant is explicitly supplied in a detailed GainFair flow.
Add at least one spending amount to calculate your comparison.