IDFC First Bank
IDFC FIRST WOW Credit Card
FD-backed lifetime free credit card with 0% forex markup, UPI support, reward points, and easy approval even for users with low or no credit history. Best suited for beginners and international spending.
Highlights
Main benefits
- Lifetime free credit card
- 0% forex markup fee
- FD-backed approval
- Credit limit up to 100%–200% of FD amount
- UPI-enabled credit card
- Interest continues on FD
- Easy approval for beginners
- Fuel surcharge waiver available
Fees
Fees and charges
Joining fee
₹0
Renewal fee
₹0
Annual fee waiver
Not applicable
Who can apply
Eligibility
- Minimum age: 18 years
- Indian resident
- Fixed Deposit required (generally starting around ₹20,000)
- Suitable even for users with no credit history
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Mobile number linked with Aadhaar
- FD amount for lien marking
- Basic KYC documents
Process
How to apply
1. Visit the official IDFC FIRST WOW card page
2. Complete mobile verification and KYC
3. Create Fixed Deposit
4. Card gets issued against FD
5. Virtual card may be generated instantly and physical card delivered later.
Value
Reward and cashback structure
Reward rate
Up to 4X reward points on eligible spends,
Reward points redemption value is generally low compared to premium cards.
Cashback
No direct cashback structure,
Rewards-based benefits instead of flat cashback
Good fit
Pros
- Easy approval without strong income proof
- Excellent for international transactions
- No joining or annual fees
- Helps build credit score
- Safe secured-card structure
- UPI support available
Watchouts
Cons
- Reward redemption value is comparatively low
- No strong cashback program
- Standard variant lacks lounge access
- Requires FD blocking
- Limited premium travel benefits compared to higher-end cards
Related
Related cards
Compare
Compare Cards
| Field | IDFC FIRST WOW Credit Card | IDFC FIRST classic credit card |
|---|---|---|
| Bank/provider | IDFC First Bank | IDFC FIRST bank |
| Joining fee | ₹0 | 0 |
| Renewal fee | ₹0 | 0 |
| Best for | Beginners building credit score, FD-backed secured credit card users, International spending due to 0% forex markup, Students and users without income proof | Beginners, everyday spending, shopping, utility bills, and lifetime free benefits |
| Reward rate |
| Up to 10X reward points on spends above ₹20,000 |
| Cashback |
| Reward points on every spend instead of direct cashback benefits |
| Lounge access |
| Free railway lounge access with eligible card usage |
| Fuel surcharge waiver |
| 1% fuel surcharge waiver on eligible fuel transactions |
| Welcome benefit | Upto ₹800 rewards when applied through cashkaro |
|
| Annual fee waiver condition | Not applicable | No annual fee — this card is lifetime free |
| Eligibility |
|
|
| Apply link | Apply Now | Apply Now |
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