{
  "id": "idfc-first-wealth",
  "locale": "en",
  "name": "IDFC FIRST Wealth Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "1 Domestic Airport Lounge + 1 Global Airport Lounge per quarter (DreamFolks) on ₹20,000 monthly spend (8 visits / year) + 16 Railway Lounges",
  "rewardsRate": "0% Zero Forex Markup · 10X Rewards on Spends above ₹20k & Birthday · 6X Online · 3X Offline (1 pt = ₹0.25)",
  "bestFor": "Luxury international travel, zero forex markup (0%), complimentary golf games, trip cancellation insurance, and global airport lounges with zero fee",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/wealth",
  "aiVerdict": {
    "score": 5.9,
    "summary": "Its lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "idfc-first-wealth",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/wealth",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Lifetime Free (No annual spend condition)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "Global & Domestic Lounges",
      "value": "8 visits / year (4 Domestic + 4 Global)"
    },
    {
      "key": "Golf Privileges",
      "value": "4 complimentary rounds / year"
    },
    {
      "key": "Trip Cancellation Cover",
      "value": "Up to ₹10,000 (2 claims / year)"
    },
    {
      "key": "Movie Offer",
      "value": "Buy-1-Get-1 Free (up to ₹250 off)"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends above ₹20k & Birthday Spends (10X)",
      "rate": "2.5% (10 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Points (₹2,500 value)"
    },
    {
      "category": "Online Shopping up to ₹20k (6X)",
      "rate": "1.5% (6 Points / ₹100)",
      "monthlyCap": "₹20,000 / month",
      "perLakhSpent": "6,000 Points (₹1,500 value)"
    },
    {
      "category": "International Spends (0% Forex Markup + Rewards)",
      "rate": "0% Forex + 3X–10X Points (Up to 2.5% return)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,500 Forex Savings + up to ₹2,500 Rewards"
    },
    {
      "category": "General Offline Retail Spends (3X)",
      "rate": "0.75% (3 Points / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "3,000 Points (₹750 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "0% zero forex markup on overseas spends with permanent ongoing reward points (re-confirmed via 13 September 2026 circular)."
    },
    {
      "channel": "Spends above ₹20k & Birthday",
      "multiplier": "10×",
      "rate": "2.5%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "10 points per ₹100 once monthly statement spend crosses ₹20,000."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Luxury Hotel Bookings",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1 pt",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Gift Cards & Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel transactions (eligible for 1% surcharge waiver only).",
    "Cash advance withdrawals and digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "Dynamic 0.71% to 3.85% per month (8.5% to 46.2% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹200 to ₹5,000 transactions (Max ₹300/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "Salaried (21 to 65 years), Self-Employed (25 to 65 years)"
    },
    {
      "criteria": "Minimum Annual Income",
      "requirement": "₹36,00,000+ per annum or ₹10L+ Fixed Deposit / TRV"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+ recommended for wealth tier approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}