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IDFC First WOW Card
Reward Type
NA
Joining Fee
Annual Fee
NA
Currently not available! for similar products
The IDFC FIRST WOW Credit Card is a premium secured card offered against a Fixed Deposit with IDFC Bank. It’s an excellent choice for those looking for a reward-rich card with flexible repayment options and lifetime free access.
Cardholders can enjoy multiple benefits such as airport lounge access, fuel surcharge waivers, and complimentary movie tickets. It also provides the option to convert high-value purchases into EMIs, adding to its convenience.
For frequent international travelers, the card offers zero foreign markup fees and global acceptance through the VISA Infinite network, making it a secure and rewarding travel companion.
Quick Links For Managing The IDFC First Bank Credit Card
Here are some quick links to handle the multiple processes associated with the IDFC First Bank credit card
Key Highlights of IDFC FIRST WOW Credit Card
- No Joining Fee/Renewal Fee required.
- Zero Foreign Mark-up fee on international transactions and accepted worldwide.
- Zero interest charges on ATM withdrawals for up to 45 days.
- No credit history and Income proof required.
- Fixed Deposit backed assured premium credit card.
- Earn 6.3% interest on the Fixed Deposit.
- 4 times reward points on the credit card spendings.
Features & Benefits of IDFC WOW Credit Card
The following are some of the features and benefits of the IDFC WOW credit card. They are:
Zero Joining and Annual fees:
- Assured credit card with no credit history and no income proof required.
- Up to 100% ATM withdrawal limits of FD + Rs.199 for cash advance.
Reward Points:
- Earn up to 4 times reward points on every transaction you make.
- Insurance premium payments and utility bill payments will get 1 time reward points.
- Reward points can be redeemed at the rate of 1RP = 0.25 paise. A fee of Rs.99 plus taxes is applicable for each reward point of redemption.
- 3 times reward points on all UPI spends
- Reward points earned through the card never expire.
Overseas Travel Advantages:
- Zero foreign mark-up fee with your foreign travel.
Zero currency exchange hassles:
- Interest-free foreign currency withdrawals at ATMs worldwide.
- Enjoy uninterrupted global acceptance with round-the-clock support powered by the Visa Infinite network.
UPI Powered Credit Card:
- Digital card instantly issued.
- Linked your existing credit card with shared limit.
- Rs.50 off on the first 4 UPI transactions.
Dining Offers:
- Orders placed on Swiggy above Rs.699 will get a flat discount of Rs.100. Offer for a single Thursday in a month.
- Orders placed on Zomato will get 15% maximum amount of Rs.125. Flat Rs.50 off on non-participating restaurants. The offer is valid every Saturday and Sunday.
- Orders placed at Dominos will get Rs.150 off on orders above Rs.700 once a month for one user.
- Eagle Boys Pizza will offer 15% off the food bill. Not valid on buffet and non-alcoholic beverages. Locations: Bangalore, Hyderabad, and Secunderabad
- Marriott, Mahesh Lunch Home, Belgian Waffle, FlyHigh: 15% off on food and soft beverages.
Insurance Benefits:
- Card Liability coverage of Rs.25,000.
- Personal Accident Insurance: Rs.2 Lakhs.
- Purchase Protection: Rs.25,000
- Credit Shield Coverage: Rs.25,000
Fees and Other Charges:
- 6.3% Interest in the FD amount.
- Increase cash withdrawal with an additional FD of Rs.5,000.
- Cash withdrawal up to 100% of the FD amount.
Other Pointers:
- Withdraw cash from global ATMs at Rs.199+ GST without any Interest for 45 days.
- Instantly Increase the credit card limit by Rs.5000 with another FD.
- Low interest rate of 9% over carrying over balances.
- Enjoy discounts on over 300+ merchants and 1500+ restaurants.
- Complimentary Roadside Assistance.
- 6.3% Interest in FD.
Eligibility Criteria for IDFC First WOW Card
The following are theeligibility criteria available that needs to be met by individuals in order to earn the IDFC First WOW Card They are:
- Here are the basic requirements for the IDFC First WOW credit care are:
- Age: 18 years and above
- Indian citizen with a current and permanent residential address
- Fixed Deposit of Rs.20,000.
Documents Required for IDFC First WOW Card
The following are some of the documents that are required for the IDFC First WOW credit card.
- Proof of Identity: Aadhar Card, PAN card
- Address Proof: Aadhar card, Passport, Driving License, Voters ID card, Ration card
IDFC WOW Credit Card Fees & Charges
The following table lists the details of fees and charges of the IDFC WOW credit card. The are:
Type of Fees/Charges | Amount |
|---|---|
Joining Fee | Nil |
Annual Fee | Nil |
Finance Charges | 3.85% p.m |
Overdue Interest | 3.99% p.m. |
Fuel Surcharge Waiver | 1% to the maximum of Rs.200 per statement cycle |
Late Payment Charges | 15% of the total amount due with a minimum of Rs.100 and Maximum of Rs.1300 |
Cash Advance Fee | Transaction fee of Rs.199 |
How to Apply for IDFC FIRST WOW Credit Card Online
Follow the simple steps below to apply for your IDFC FIRST WOW Credit Card online:
Step 1: Visit the official IDFC FIRST Bank website or download the IDFC FIRST Bank Mobile App from Google Play Store or App Store.
Step 2: Go to the ‘Credit Cards’ section and select ‘IDFC FIRST WOW Credit Card’ from the available options.
Step 3: Tap on ‘Apply Now’ to start your online credit card application process.
Step 4: Open a Fixed Deposit (FD) with a minimum amount of ₹20,000 — your credit limit will be based on this FD.
Step 5: Fill in your personal details such as name, mobile number, PAN, and Aadhaar for KYC verification.
Step 6: Complete Aadhaar-based e-KYC verification securely online.
Step 7: Review your FD details, credit limit, and card terms before final submission.
Step 8: Upon approval, get your digital WOW Credit Card instantly for immediate use.
Step 9: Receive your physical card at your registered address within a few working days.
Who Should Apply for IDFC FIRST WOW Credit Card?
IDFC First WOW credit card is suitable for individuals who are new to credit and who are looking to start their credit journey. There is no joining fee or membership fee associated with the card. This card is ideal for students or individuals looking to begin their credit journey. This card offers decent value-back through reward points across various categories.
The reward points that you earn with the credit card are pretty decent, but the redemption value that comes along with the reward points is low and it impacts its overall value. Apart from the reward points, cardholders can also earn on international spends with a zero-forex markup fee. If you are someone who is on the lookout for a lifetime free credit card with basic benefits, this is the one you must be on the lookout for. You can go for the credit card if:
- Age 18 or older.
- Students or Individuals who do not have any credit history.
- You want to open a new FD.
Pros & Cons of IDFC First WOW Card
Pros:
- Lifetime Free credit card with basic benefits
- Secured credit card without income proof requirements
- Zero forex markup fee that will save you on international spendings
- Personal Accident Insurance, Card Liability Cover, Personal Protection
- Rewards on Spending at the rate of 4 reward points per Rs.150 spends
- 1% Fuel Surcharge Waiver
- Fixed Deposit Interest at the rate of 6.3%
Cons:
- Fixed Deposit Requirements tieing up the funds of the card
- Lower rewards in categories like Fuel, EMI, and Insurance Premium Payments
- No Airport lounge access
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.
FAQs of IDFC Wow Card
1. Is IDFC FIRST WOW Credit Card Lifetime Free?
Yes, the IDFC FIRST WOW Credit Card is lifetime free, with no joining or annual renewal fees. It remains free for life without any spending conditions. However, since it’s an FD-backed card, you need to open a Fixed Deposit of at least ₹20,000 to get the card.
2. What is the minimum FD amount for IDFC WOW credit card?
The minimum Fixed Deposit (FD) amount required to get the IDFC FIRST WOW Credit Card is ₹20,000. This FD acts as security for your credit limit, making it ideal for individuals without income proof or credit history. The card remains lifetime free, and you continue to earn 6.3% interest on your FD while enjoying all credit card benefits.
3. Does IDFC WOW card have foreign transaction charges?
No, the IDFC FIRST WOW Credit Card does not have any foreign transaction charges. It offers zero foreign currency mark-up fees on all international transactions, making it ideal for frequent travelers. You can use the card globally under the Visa Infinite network without paying the usual 3.5%–4% forex fee charged by most cards.
4. Does the IDFC First WOW credit card have international benefits?
The IDFC First WOW credit card comes with the foreign mark-up fee of 3.5%, helps you to make seamless transactions, and gives you access to global VISA Infinite network. This makes the credit card an ultimate travel companion providing you with a secure and hassle-free experience.
5. Is there any fuel surcharge waiver with the IDFC first WOW credit card?
Yes. There is a 1% fuel surcharge waiver with the IDFC first WOW credit card.
6. Can I get this card without income proof?
Yes, you can get the IDFC FIRST WOW Credit Card without providing any income proof. This is a secured credit card issued against a Fixed Deposit (minimum ₹20,000) with IDFC FIRST Bank. Since your credit limit is linked to the FD amount, no salary slips, ITR, or income documents are required for approval. This makes it an ideal choice for students, homemakers, or first-time credit card users with no credit history.
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