IDFC

IDFC FIRST WOW Credit Card

Apply for IDFC First WOW Credit Card for 4X rewards, zero forex, lifetime free & 7.25% p.a. FD interest. Best for first-time credit card users.

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Issued by

IDFC

IDFC FIRST WOW Credit Card image
Joining FeeFree
Annual FeeFree
Income₹0
Credit Score0

Key Highlights

Enjoy zero forex markup fees

on international spendswith Reward Points earned

Shopping

Earn up to 4X Reward Points on online, offline

and international spends earning 4 Reward Points per ₹200 spent (equivalent to 1 RP = ₹0.25)

Earn up to 4X Reward Points on online, offline

and international spends earning 4 Reward Points per ₹200 spent (equivalent to 1 RP = ₹0.25)

Utility Bills

1 Reward Point Per ₹150

on utility bill payments, ensuring you get rewarded for managing your essential expenses like electricity, gas, and water bills

Get a lifetime-free card with zero joining fee

and zero annual feewith no spend conditions or renewal charges applicable to retain the card

Eligibility

Age Criteria18-80
Credit Score0
Salaried Income₹0

no minimum income required

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual FeeFree
Annual Fee WaiverNot Applicable
Estimated Annual Saving₹1599

Rewards & Redemption

Reward Conversion1 reward point = ₹0.25
Redemption Options
  • travel & experiences
  • partner offers
Earning ExclusionsEMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet Loads, Bank Charges & Fees, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Utility Bill Payments
Spend ExclusionsEMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet Loads, Bank Charges & Fees, All Reversals, Gambling Transactions, Toll Payments, Security Broker Services, Charity, Railways, Utility Bill Payments

Benefits

All Benefits

  • Zero forex markup fee for international transactions
  • 100% cash withdrawal facility from ATMs with 0% interest for up to 45 days
  • No expiry on Reward Points, offering flexibility in redemption.
  • Lifetime free with no joining or annual fees
  • Secured credit card issued against a fixed deposit, making it accessible without income proof
  • Exclusive discounts and deals on brands, dining, and entertainment

Travel Benefits

  • Zero forex markup on international spends and global acceptance through Visa Infinite network

Dining Benefits

  • Discount offers at 1500+ partner restaurants via Visa network

Insurance Benefits

  • Personal accident cover up to ₹2 lakh, purchase protection up to ₹25,000, and lost card liability cover up to ₹25,000

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

If you were/are using any IDFC Credit card, you are not eligible for the Rewards
If you apply for a different card upon redirecting you will be eligible for the rewards rates applicable on the card applied
Tracking Time: 72Hrs after the Application ID Generation
Confirmation Timeline: Within 75 Days of Card Activation
Minimum transaction of ₹100 is required within 30 days to activate the card, otherwise it will be closed
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of rewards
Rewards on IDFC Bank App applications: Not Applicable

FAQ

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