What is the annual fee for IDFC FIRST WOW! Credit Card?

The annual fee for IDFC FIRST WOW! Credit Card is nil (no annual fee).

What is the joining fee for IDFC FIRST WOW! Credit Card?

The one-time joining fee for IDFC FIRST WOW! Credit Card is nil (no joining fee).

What are the rewards and benefits of IDFC FIRST WOW! Credit Card?

IDFC FIRST WOW! Credit Card earns points rewards. Reward rate ranges from 0.12% to 2%. You earn 3 points per ₹100 spent.

What lounge access benefits does IDFC FIRST WOW! Credit Card provide?

IDFC FIRST WOW! Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for IDFC FIRST WOW! Credit Card?

To be eligible for IDFC FIRST WOW! Credit Card, you need a minimum monthly income of ₹0.

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IDFC FIRST Bank

IDFC FIRST WOW! Credit Card

Name: IDFC FIRST WOW! Credit Card
Brand: IDFC FIRST Bank
Availability: InStock

The IDFC FIRST WOW! Credit Card is a secured card issued against a Fixed Deposit with IDFC FIRST Bank.

Regular

CardCheck ScoreGood

Top Category Performance

Travel & Lounge (94/100)

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

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(0)

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Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

GoodScore / 100

Reward Power

24/35

Fee Value & ROI

25/25

Lounge & Perks

4/20

Forex & Access

14/20

Category Strengths Breakdown

Ranked by strongest spend category

Travel & Lounge

94/100

Zero Fee & Starter

94/100

Online Shopping

72/100

Dining & Food

70/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

IDFC FIRST WOW! Credit Card 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

IDFC FIRST WOW! Credit Card Rewards

How you earn back on every swipe

points

Reward type

0.12% – 2%

Earn rate

Points / ₹100

₹0.25

Per point

IDFC FIRST WOW! Credit Card 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.

IDFC FIRST WOW! Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

fuel transactions
EMI transactions
cash withdrawals

Card Features

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

IDFC FIRST WOW! Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

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

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IDFC FIRST WOW! Credit Card Eligibility

Age18+ yrs – 80

Min. incomeFree/month

CIBIL score0+

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.