About IDFC FIRST WoW Credit Card
IDFC FIRST WOW! is an entry-level credit card backed by a fixed deposit of ₹20,000, making it a good choice for first-time users or those looking to rebuild their credit profile. You can earn 4X reward points on online, offline, and international spends, while other categories like insurance, utility bills, FASTag, and railway bookings earn 1 reward point for every ₹200 spent.
The card also offers zero forex markup on international transactions, which adds value for users who travel abroad. For those exploring travel credit cards, this card provides a decent mix of rewards and low-cost benefits without a high fee.
However, if you are looking for more premium travel benefits like lounge access and higher rewards, you can consider the IDFC FIRST WOW! Black Credit Card, which offers better features for frequent travellers.
Also Read: Best IDFC Credit Cards
IDFC FIRST credit cardholders can now apply for a digital RuPay credit card that links to their existing card. This card has a joining and annual fee of Rs. 199 and offers up to 3X reward points on UPI spends, making it a smart choice for everyday digital payments.
IDFC FIRST WoW Credit Card Rewards Program
Rewards Program
- 4 reward points for every Rs. 150 spent
- 1 reward point for every Rs. 150 spent on utility bills and insurance
- Redemption rate: 1 reward point = Rs. 0.25
- No reward points on fuel or EMI transactions
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Travel Benefits
- Zero forex markup fee on international transactions
- Foreign currency cash withdrawal at just Rs. 199, with no interest for up to 45 days
Also Check: Best Travel Credit Cards
Low Fees & Charges
- Earn 6.3% p.a. interest on your fixed deposit (FD)
- Increase your credit limit with an additional FD starting from Rs. 5,000
- Withdraw up to 100% of your FD amount as cash, if needed
Insurance Benefits
- Card Liability Cover: Up to Rs. 25,000
- Personal Accident Insurance: Coverage of Rs. 2 Lakh
- Purchase Protection: Up to Rs. 25,000 against theft or damage
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Type of Fee/ Charge | Amount |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 0.71% to 3.85% p.m. (8.5% to 46.2% p.a.) |
| Overdue Interest | 3.99% p.m. (47.88% p.a.) |
| Late Payment Fee | 15% of total amount due (Min. Rs. 100 and Max. Rs. 1,300) |
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Document Required For IDFC FIRST WoW Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST WoW Credit Card Highlights
What do we like about this card?
- Lifetime free credit card with no joining or annual fees
- Secured card issued against a fixed deposit of Rs. 20,000
- Zero forex markup fee on international transactions
- No income proof or credit history required to apply
- Earn up to 4X reward points and 6.3% p.a. interest on your FD
Things to Know Before you apply
Get this card if:
- You are looking for a lifetime free credit card with basic benefits.
- You want a secured credit card without the need for income proof.
- You are not eligible for unsecured cards and want to build your credit score.
- You want to save on international spends with a card that has zero forex markup fee.
Pros
- Zero forex markup fee – ideal for international spends
- Earn up to 4X reward points on purchases
- Continue earning up to 6.3% p.a. interest on the FD
- Credit limit can be increased with an additional FD
- Up to 100% cash withdrawal limit of the FD amount
Cons
- Requires a fixed deposit of at least Rs. 20,000
- No reward points on fuel and EMI transactions
- Being a secured card, FD funds are locked until closure or upgrade
- Limited premium lifestyle or travel perks compared to high-end cards
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
Yes, you can increase your limit by adding an additional FD amount, starting from ₹5,000.
There is no renewal charge on the IDFC FIRST WOW! Credit Card, making it a lifetime free credit card.
Yes, a cash withdrawal fee of Rs. 250 is applicable on the IDFC FIRST WOW! Credit Card.
You can apply online through the official IDFC FIRST Bank website. To apply, you need to open a fixed deposit (FD) of at least ₹20,000. Once your FD is created, complete the KYC process, and your card will be issued instantly.
You can generate your PIN via net banking. Simply log in to the app or portal, go to the credit cards section, select “Set New PIN,” and verify using the OTP sent to your registered mobile number.
A minimum FD of ₹20,000 is required to apply for the IDFC FIRST WOW! Credit Card.
This card comes with zero forex markup fee, making it an excellent choice for international transactions.
The credit limit is up to 100% of the fixed deposit amount.
