IDFC FIRST Wealth cashback rate, cap and annual fee
IDFC FIRST Wealth pays 1.25% on dining, and 4 other rates.
IDFC FIRST Bank · India · catalogue v101
Read from IDFC FIRST Bank's own published terms on 20 Sep 2026.
NoneAnnual fee
1.25%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 1.25% | —Dining, at ten times the base rate. |
| travel | 1.25% | —Travel, at ten times the base rate. Railway spending and FASTag recharges are the exception at one times, and are described in the card note rather th |
| International purchaseseverything else | 1.25% | —Bought in another currency, anything eligible earns ten times the base rate — and IDFC charges no markup on top of it. |
| everything else | 0.38% | —Three times the base rate on everything else eligible, which is 0.375% once the point is priced at IDFC's own ₹0.25. |
| government | 0.12% | —Utility bill payments earn the base rate, not the accelerated one. |
| fuel | None | —Fuel earns no Reward Points. |
Lifetime free, and the best card in this catalogue for spending abroad: zero foreign markup, and international purchases earn the 10X rate rather than the base. Nothing in this app's abroad figure shows that second half — it reads the general rate — so the card is understated overseas by about three times. At home it is 1.25% on dining and travel, 0.375% on most other things, and 0.125% on utilities, insurance, railway spending and FASTag recharges. Fuel, EMI conversions and cash withdrawals earn nothing. Railway and FASTag are the awkward pair: they sit inside travel here and earn a tenth of what travel earns, and they are not written as a separate rule because a rule that low would pull every travel figure on the card down with it. Points expire 24 months after they are credited, and redeeming costs ₹99 plus GST, which is worth more than a small balance. Points stop accruing on spending past your credit limit in a cycle. Source: idfcfirst.bank.in, checked 20 Sep 2026.
Questions people ask
What cashback does the IDFC FIRST Wealth pay?
1.25% on dining, and 4 other rates.
Is there a cap on the IDFC FIRST Wealth?
No monthly cap is published on the rates shown here.
What is the annual fee on the IDFC FIRST Wealth?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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