Head-to-head · 🇮🇳 India
IDFC FIRST Wealth vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 3 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | IDFC FIRST Wealth | IDFC FIRST Wow |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (general) | · 1% (general) |
| Base reward rate | 3% | · 1% |
| Forex markup | · 1.5% | No FX fee |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹1,200,000 | — |
| Min credit score | · 770 | 600 |
| Editorial rating | 4.7/5 | · 4/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›IDFC FIRST Wealth vs IDFC FIRST Wow: which is better?
It's a true tie — pick the one whose boost categories match your spend. IDFC FIRST Wealth wins on 3 criteria, IDFC FIRST Wow on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use IDFC FIRST Wealth for its best categories, IDFC FIRST Wow for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.