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
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| Feature | IDFC FIRST Bank IDFC FIRST Wealth Credit Card | SBI Card Reliance SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | SBI Card |
| Network | Visa | RuPay |
| Annual fee | Lifetime free | ₹2,999 + GST per year |
| Annual fee waiver | Not required | At ₹3,00,000 annual spending |
| Base reward rate | 0.4% | 0.5% |
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 | 0.5% · Dining, movie and domestic-airline incremental points |
| International spending | 1.3% · Birthday-month rewards | 1.3% · International incremental points |
| Travel & hotels | 1.3% · Birthday-month rewards | 0.5% · Dining, movie and domestic-airline incremental points |
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 | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Approx. ₹3,00,000/month | Not listed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | Higher-income professionals who travel internationally and refuse to pay an annual fee for it. | Higher-spend Reliance customers who travel, dine and watch movies regularly. |
| Main trade-off | Income eligibility for this tier is meaningfully higher than the Classic/Select variants below it. | The best rates require exact Reliance merchants or published MCCs. UPI at participating Reliance stores earns 0.5%, and Reliance-only milestone vouchers are not inferred from broad category totals. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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