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This credit card offers lifetime free access to benefits with no joining or annual charges, a 100% cash withdrawal limit, and several other valuable benefits.
The IDFC FIRST Bank WOW! Credit Card is designed to provide customers with a convenient and rewarding financial experience. It is ideal for those new to credit or seeking a card with flexibility and easy approval. Enjoy a wide range of exclusive benefits, including a lifetime free credit card, all with a hassle-free application process.
Here’s a quick snapshot of the IDFC FIRST WOW! Credit Card benefits, helping you compare its core features at a glance before making a decision:
| Parameter | Details |
|---|---|
Card Name |
IDFC FIRST Bank WOW! Credit Card |
Annual Fee |
Nil (Lifetime free; no joining or renewal charges) |
Credit Limit |
Up to 100% of the Fixed Deposit value |
Rewards Rate |
Earn up to 4X reward points on eligible spends; points never expire |
Key Benefit |
FD-backed approval with zero forex mark-up and a 100% cash withdrawal limit |
The IDFC FIRST Bank WOW! Credit Card features and benefits are designed to offer lifetime savings, easy approval, and everyday value, explored across rewards, lifestyle, travel, and security advantages below.
Enjoy value on everyday spending with features that help you manage costs efficiently.
Interest-free Credit Period: Get up to 45 days of interest-free credit on purchases, helping you manage expenses without immediate finance charges.
Designed for long-term savings and everyday convenience, these benefits add value beyond regular spending.
Lifetime Free Card: Free for life with no joining or annual fees, ensuring long-term savings without hidden costs.
Complimentary Roadside Assistance: Receive roadside assistance worth ₹1,399 for added peace of mind during unexpected vehicle breakdowns or emergencies.
Ideal for international travellers and online shoppers, the card offers cost-effective global usage.
Zero Forex Mark-up: Make international transactions without extra forex charges, keeping overseas spending economical.
Exclusive Visa Infinite Network Offers: Access premium global privileges across travel, dining, and lifestyle categories through the Visa Infinite network.
These features ensure financial security while offering easy accessibility, even during emergencies.
100% Cash Withdrawal Limit: Withdraw up to 100% of your available credit limit as cash, offering flexibility during urgent situations.
Personal Accident Cover: Enjoy personal accident insurance cover of up to ₹2 Lakhs for added financial protection.
Lost Card Liability Protection: Stay safeguarded against unauthorised transactions with liability protection of up to ₹25,000.
The IDFC FIRST Bank WOW! Credit Card is designed for individuals with limited or no credit history.
FD-backed Credit Limit: Get a credit limit equal to up to 100% of your fixed deposit value, making approval easier.
No Prior Credit History Required: Ideal for first-time cardholders looking to build their credit profile.
Approval Without Income Proof: Since the card is secured against a fixed deposit, income proof is not required.
The IDFC FIRST Bank WOW! Credit Card offers a simple and flexible rewards structure, allowing cardholders to earn and redeem points with ease. Below is a quick, scannable overview of the reward rates by spending category, helping you understand how value is earned across different transactions:
| Spending Category | Reward Rate |
|---|---|
Online Spends (e‑commerce, apps, websites) |
Up to 4X reward points per ₹150 spent |
Offline / Other Spends |
1X reward point per ₹150 spent |
Reward Points Validity |
No expiry |
Redemption Mode |
Online redemption anytime |
Disclaimer: Reward structure and benefits are based on publicly available information from IDFC FIRST Bank and are accurate as of 2026. Actual rewards may vary based on merchant category and bank terms and conditions.
Here is a breakdown of the fees and charges associated with the IDFC FIRST Bank WOW! Credit Card:
| Charges | Details |
|---|---|
Joining Fee |
Nil (Lifetime free credit card) |
Renewal / Annual Fee |
Nil |
Foreign Transaction Fee |
Nil (Zero forex mark‑up) |
Late Payment Charges |
As per bank-defined slabs, typically up to ₹1,300 depending on outstanding amount |
Interest Rate (APR) |
Starting from 0.75% per month (9% p.a.) |
Disclaimer: The charges listed above are subject to change at the discretion of IDFC FIRST Bank. Refer the latest terms and conditions on the official website for the updated fees and charges.
To be eligible for the IDFC FIRST Bank WOW! Credit Card, you must meet the following criteria:
You must be at least 18 years of age
You must be an Indian citizen with both permanent and current residential addresses in India
The card is backed by a Fixed Deposit (FD) so you must hold an FD account in cumulative, re-invest, or auto-renew mode
No CIBIL score or prior credit history is required, as the card is FD‑backed, making it suitable for first‑time credit users.
A minimum fixed deposit of ₹20,000 is required to qualify for this credit card
To apply for the IDFC FIRST Bank WOW! Credit Card, you must submit the following essential documents:
A PAN card is required, serving as proof of identity and crucial for financial verification
An Aadhaar card is necessary to confirm both your identity and residential address, ensuring all details are accurate and current
Fixed Deposit (FD) account details are required, as the IDFC FIRST Bank WOW! Credit Card is issued against a fixed deposit.
Applying for the IDFC FIRST Bank WOW! Credit Card is a straightforward process. Follow this step-by-step guide to apply via Bajaj Markets:
Click here to head to the application page
Begin by checking your eligibility by entering your profession, mobile number, and date of birth, accepting the terms, and then clicking on ‘Check Card Offer’
A One-Time Password (OTP) will be sent to your registered mobile number for verification
Review and confirm the pre-filled details, including your PAN number, PIN code, email address, and income details
Choose the IDFC FIRST Bank WOW! Credit Card from the list of available cards
Finally, click on ‘Submit’ to complete and finalise your application
For any enquiries or support regarding your IDFC FIRST Bank WOW! Credit Card, you can contact customer service via the following channels:
Customer Care Number: 1800-10-888
WhatsApp Chat: Send ‘Hi’ to 9555-555-555 for prompt assistance from a representative
Customer Care Email: banker@idfcfirstbank.com
Registered Office: IDFC FIRST Bank Ltd., KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India
Corporate Office: IDFC FIRST Bank Limited, The Square, C-61, G Block, Ground to 8th Floor, Bandra Kurla Complex, Bandra East, Mumbai – 400051
Before applying for the IDFC FIRST Bank WOW! Credit Card, it is important to compare it with other cards offered by IDFC FIRST Bank. Choose the card that best suits your needs:
| Card Name | Cashback | Complimentary Airport Lounge Access | Fuel Surcharge Waiver | 10X Reward Points |
|---|---|---|---|---|
FIRST WOW! Credit Card |
✘ |
✘ |
✔ |
✘ |
FIRST Power Credit Card |
✔ |
✘ |
✔ |
✘ |
FIRST Classic Credit Card |
✔ |
✘ |
✔ |
✔ |
FIRST SWYP Credit Card |
✔ |
✘ |
✔ |
✘ |
FIRST Millennia Credit Card |
✔ |
✘ |
✔ |
✔ |
FIRST Power+ Credit Card |
✔ |
✔ |
✔ |
✘ |
FIRST Select Credit Card |
✔ |
✔ |
✔ |
✔ |
FIRST EA₹N Credit Card |
✔ |
✘ |
✘ |
✘ |
FIRST Wealth Credit Card |
✔ |
✔ |
✔ |
✔ |
Reviewer
Cardholders can receive a credit limit of up to 100% of their fixed deposit amount, providing them with access to the full value of their deposit for spending or cash withdrawal.
No, the IDFC FIRST Bank WOW! Credit Cards do not have any annual charges or renewal fees. It is a lifetime free credit card secured against your fixed deposit.
When you pledge a fixed deposit to apply for the IDFC FIRST Bank WOW! Credit Card, your FD continues to earn interest, which can go up to 7.25% p.a., depending on tenure.
Yes, you can increase your credit card limit by simply visiting the official website and submitting a request to instantly raise your limit.
There is no need to provide income proof or credit history when applying for the IDFC FIRST Bank WOW! Credit Card. As the card is secured against your fixed deposit, there is no minimum salary requirement.
No, the IDFC WOW Credit Card does not require a CIBIL score or prior credit history. Since the card is backed by a fixed deposit, approval is easier for first‑time credit users, students, or individuals with limited credit exposure, helping them build a credit profile responsibly.
The IDFC WOW Credit Card offers a simple rewards structure. Cardholders can earn up to 4X reward points on eligible online spends, while regular offline spends earn standard reward points. All accumulated reward points never expire and can be redeemed online at your convenience.
Unlike other IDFC credit cards, the IDFC WOW Credit Card is FD‑backed, requires no income proof or CIBIL score, and is lifetime free. It also offers zero forex mark‑up and a 100% cash withdrawal limit, making it ideal for first‑time or credit‑conscious users.
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