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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 a secured credit card backed by a fixed deposit of ₹20,000, making it accessible for individuals looking to start or strengthen their credit journey. Cardholders earn 1 reward point for every ₹150 spent and can enjoy up to 4X reward points on eligible online, offline, and international transactions. The card also comes with a zero forex markup fee on international spends, making it a suitable option for those seeking a travel credit card for overseas purchases and payments. In addition, the card offers a lifetime free membership and a simple 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 |
Explore the key rewards, travel, security, and convenience benefits offered by the IDFC FIRST Bank WOW! Credit Card:
Earn up to 4X reward points on eligible online spends
Earn 1 reward point for every ₹150 spent on eligible offline and other transactions
Reward points never expire
Redeem reward points online at your convenience
Zero Forex Mark-up Fee on international transactions
Access exclusive Visa Infinite network offers across travel, dining, and lifestyle categories
Lifetime Free Credit Card with no joining or annual fees
Complimentary roadside assistance worth ₹1,399 for unexpected vehicle breakdowns or emergencies
Get up to 45 days of interest-free credit on purchases
100% Cash Withdrawal Limit, allowing cash withdrawal up to the available credit limit
FD-backed credit limit of up to 100% of the fixed deposit value
No prior credit history required
No income proof required
| Insurance Benefit | Coverage |
|---|---|
Personal Accident Cover |
Up to ₹2 Lakhs |
Card Liability Cover (Lost Card Liability Protection) |
Up to ₹25,000 against unauthorised transactions |
The IDFC FIRST Bank WOW! Credit Card offers several features that may add value when making purchases and payments during international travel:
Zero Forex Mark-up Fee – Make international transactions without incurring additional forex mark-up charges on overseas spends.
Earn Up to 4X Reward Points – Get up to 4X reward points on eligible spends, helping you earn rewards on your purchases.
Lifetime Free Credit Card – Enjoy the card without any joining fees or annual charges.
Exclusive Visa Infinite Offers – Access a range of travel, dining, and lifestyle privileges through the Visa Infinite network.
100% Cash Withdrawal Limit – Withdraw up to 100% of your available credit limit as cash when required during travel.
Reward Points Never Expire – Accumulated reward points remain valid indefinitely and can be redeemed online at your convenience.
Accessible for New-to-Credit Users – Since the card is backed by a fixed deposit, no prior credit history is required to apply.
Up to 100% of FD Value as Credit Limit – Receive a credit limit linked to your fixed deposit value, offering greater spending flexibility while travelling internationally.
An FD-backed or credit card against FD allows you to access credit while keeping your savings invested in a fixed deposit. Since the card is secured against an FD, it can be easier to obtain and does not require a prior credit history.
With the IDFC FIRST Bank WOW! Credit Card, you can:
Earn up to 7.25% p.a. interest on your fixed deposit
Get a credit limit linked to up to 100% of your FD value
Withdraw cash up to 100% of your available credit limit when required
Access credit while your fixed deposit continues to earn interest
These features make an FD-backed credit card a practical option for individuals looking to build their credit profile while continuing to earn returns on their savings.
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 an 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:
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 |
✔ |
✔ |
✔ |
✔ |
Disclaimer
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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