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 Points
/assest/image/icons/travel.svg Travel
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Fuel Fuel
Reward Points Reward Points
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.

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)

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.

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
     

Explore other Card Categories

Explore Cards from All Banks

Card Icon
You're Pre-Approved - Unlock Exclusive Credit Card Offers!
Choose from 80+ Credit Cards
Compare Top Deals Instantly
Apply Now