Loading
Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
IDFC FIRST
World Elite
•••• •••• •••• 0000
First Wealth
VISAIDFC FIRST Bank • Visa• Super Premium
Annual Fee
Free
Base Reward Rate
0.50%
Foreign Tx Fee
1.77%
Tier
Super Premium
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹20,000 per month
2 complimentary domestic airport lounge visits per calendar quarter via Visa lounge program. **Activation:** requires ₹20,000 spend in the PREVIOUS calendar month to unlock benefits for the next month (rolling monthly check). **24-hour cooldown:** after any lounge swipe (any scope), the card cannot be used for lounge entry again for 24 hours. **Expiry:** unused visits expire at the end of each calendar quarter — no carryover. **Validation:** ₹2 refundable charge swiped at the lounge to verify card validity.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹2,760
Blended 0.44% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
IDFC FIRST Wealth (Visa Infinite). Lifetime free. Base 3 RP/₹150 (~0.5%, post-May-2024 may have devalued to 1 RP/₹150). 10 RP/₹150 on incremental >₹20K/stmt + birthday month. Hotels via portal: 50 RP/₹150. Travel bonus capped 8K RP/mo. Redemption cap 1L/mo, 2L/yr. 1 RP = ₹0.25. Welcome ₹500 voucher on ₹5K in 30 days. 2 dom lounge/qtr (Visa) on ₹20K monthly + 4/qtr railway. 2 intl/qtr via DreamFolks (shared pool). Forex 1.5%+GST=1.77%. Excluded from accel: rent, education, wallet, govt, insurance, utilities, fuel, EMI. **Lounge benefits (unified rule):** spend ₹20,000 in any calendar month to unlock all three lounge scopes for the next month — 2 domestic + 2 international + 4 railway visits per QUARTER. 24-hour cooldown between lounge swipes. ₹2 refundable validation charge. Visits expire end-of-quarter (no carryover).
⚠️ Activation: ₹20,000 per month
2 complimentary INTERNATIONAL airport lounge visits per calendar quarter via DreamFolks. **Activation:** requires ₹20,000 spend in the PREVIOUS calendar month to unlock benefits for the next month (rolling monthly check). **24-hour cooldown:** after any lounge swipe (any scope), the card cannot be used for lounge entry again for 24 hours. **Expiry:** unused visits expire at the end of each calendar quarter — no carryover. **Validation:** ₹2 refundable charge swiped at the lounge to verify card validity.
⚠️ Activation: ₹20,000 per month
4 complimentary RAILWAY lounge visits per calendar quarter via DreamFolks. **Activation:** requires ₹20,000 spend in the PREVIOUS calendar month to unlock benefits for the next month (rolling monthly check). **24-hour cooldown:** after any lounge swipe (any scope), the card cannot be used for lounge entry again for 24 hours. **Expiry:** unused visits expire at the end of each calendar quarter — no carryover. **Validation:** ₹2 refundable charge swiped at the lounge to verify card validity.
Excluded categories