IDFC FIRST WoW Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC FIRST WoW Credit Card

/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward
/assest/image/icons/travel.svg Travel
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Fuel Fuel
Reward Reward
Travel Travel
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Check your eligibility For This Card

this will not affect your credit score

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC FIRST WoW Credit Card

The IDFC FIRST WOW! Credit Card is a secured card you can get by opening a fixed deposit (FD) of just Rs. 20,000. It’s lifetime free, which means there are no joining or annual fees. You don’t need any credit score or income proof to apply. You also earn reward points on your daily spending and get up to 6.3% interest per year on your FD.

This card is issued by IDFC FIRST Bank and comes with zero forex markup fees, so you can spend internationally without extra charges. It’s a great option if you’re new to credit, want to save money, and build your credit score at the same time.

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.

Wallet

Apply for a Credit Card & Get Instant Approval

Apply Now →

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

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

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

Fees and Charges

Type of Fee/ ChargeAmount
Joining FeeNil
Annual FeeNil
Finance Charges0.71% to 3.85% p.m. (8.5% to 46.2% p.a.)
Overdue Interest3.99% p.m. (47.88% p.a.)
Late Payment Fee15% of total amount due (Min. Rs. 100 and Max. Rs. 1,300)

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

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 Hilights

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

Wallet

Apply for a Credit Card & Get Instant Approval

Apply Now →

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
     
Wallet

Apply for a Credit Card & Get Instant Approval

Apply Now →

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.

Explore other Card Categories

Explore Cards from All Banks

{"@type":"Question","name":"Can I increase my credit limit?","acceptedAnswer":{"@type":"Answer","text":"Yes, you can increase your limit by adding an additional FD amount, starting from ₹5,000."}},{"@type":"Question","name":"What is the renewal charge associated with IDFC FIRST WOW! Credit Card?","acceptedAnswer":{"@type":"Answer","text":"There is no renewal charge on the IDFC FIRST WOW! Credit Card, making it a lifetime free credit card."}},{"@type":"Question","name":"Is there any charge associated with cash withdrawal for IDFC FIRST WOW! Credit Card?","acceptedAnswer":{"@type":"Answer","text":"Yes, a cash withdrawal fee of Rs. 250 is applicable on the IDFC FIRST WOW! Credit Card."}},{"@type":"Question","name":"How can I apply for the IDFC FIRST WOW! Credit Card?","acceptedAnswer":{"@type":"Answer","text":"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."}},{"@type":"Question","name":"How can I generate my IDFC FIRST WOW! Credit Card PIN?","acceptedAnswer":{"@type":"Answer","text":"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."}},{"@type":"Question","name":"What is the minimum FD amount required to apply?","acceptedAnswer":{"@type":"Answer","text":"A minimum FD of ₹20,000 is required to apply for the IDFC FIRST WOW! Credit Card."}},{"@type":"Question","name":"What is the forex markup fee on this card?","acceptedAnswer":{"@type":"Answer","text":"This card comes with zero forex markup fee, making it an excellent choice for international transactions."}},{"@type":"Question","name":"What is the credit limit offered on this card?","acceptedAnswer":{"@type":"Answer","text":"The credit limit is up to 100% of the fixed deposit amount."}}]}
Card Icon
You're Pre-Approved - Unlock Exclusive Credit Card Offers!
Choose from 80+ Credit Cards
Compare Top Deals Instantly
Apply Now