IDFC FIRST Bank
Joining Fee: ₹0* Plus Applicable Taxes
Renewal Fee: ₹0*Plus Applicable Taxes
Fuel
1% fuel surcharge waiver at all fuel stations across India.
Reward Points
Get 4x reward points on every spends.
Travel
Operates in all major currencies across the globe
Check your eligibility For This 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.
Rewards Program
Travel Benefits
Low Fees & Charges
Insurance Benefits
| 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) |
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.
