IDFC FIRST WOW! Credit Card
IDFC FIRST Bank logo

IDFC FIRST Bank

IDFC FIRST WOW! Credit Card

Visa
Regular

Your rating

Community rating

Best for FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends)

Joining Fee

Free

Annual Fee

Free

Reward Rate

0.12% – 2%

Forex Markup

0%

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Key Benefits

Lifetime free FD-backed credit card with no joining or annual fee
Zero forex markup on international transactions
Up to 4X Reward Points on eligible spends
100% credit limit against FD value (minimum FD ₹20,000)
No income proof or credit history required
Interest-free ATM cash withdrawal for up to 45 days
Reward Points never expire
Complimentary RuPay UPI-enabled digital card included
Instant virtual card issuance with fully digital onboarding
Earn interest on FD while using the credit card

Rewards

How you earn back on every swipe

points

Reward type

0.12% – 2%

Earn rate

3

Points / ₹100

₹0.25

Per point

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining feeFree
Annual feeFree
Interest-free period45 days
Interest rate (APR)8.5% – 46.2%
Late payment fee (max)₹1,300
Forex markup0%
Fuel surcharge waiverNo

0% forex markup on international spends. Interest/finance charges on revolving/overdue amounts per RBI and IDFC FIRST Bank MITC (rates can be up to ~46.2% p.a. on unpaid balances). Confirm reward multipliers and FD minimum on the official application journey.

Things to Keep in Mind

  • fuel transactions
  • EMI transactions
  • cash withdrawals

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age18+ yrs – 80

Employment type

SalariedSelf employedStudent

Pros & Cons

Pros
  • One of the best secured credit cards in India
  • Zero forex markup is exceptional for a lifetime free card
  • Easy approval even for students and first-time users
  • Helps build CIBIL score effectively
  • Credit limit equals FD amount
  • Includes UPI support through RuPay digital card
  • No income proof requirement
  • Interest continues on FD while card remains active
  • Good for international online transactions and travel
Cons
  • Requires fixed deposit to get the card
  • No airport lounge access on standard WOW variant
  • Reward redemption value is relatively modest
  • Premium travel and lifestyle benefits are limited
  • Credit limit depends entirely on FD amount
  • Better rewards available on unsecured premium cards
  • Some newer benefits now shifted to WOW! Black variant

Who is this card for?

Anyone who can place an FD with IDFC FIRST Bank and wants a lifetime-free card with no forex markup, starter credit history, and FIRST Coins — including students and thin-file applicants. Not a substitute for reading the latest MITC and FD-card terms on the bank site.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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