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.
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.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
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
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
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
Everything you need to know about this credit card
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.
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