आईडीएफसी फर्स्ट बैंक वाह! क्रेडिट कार्ड: विशेषताएं, लाभ & आवेदन कैसे करें

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.

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.

आईडीएफसी फर्स्ट बैंक वॉव! क्रेडिट कार्ड के लिए एलिजिबल होने के लिए, आपको निम्नलिखित क्राइटेरिया को पूरा करना होगाः

• आपकी आयु कम से कम 18 वर्ष होनी चाहिए
  

• आपको भारत में स्थायी और वर्तमान दोनों आवासीय पते के साथ एक भारतीय नागरिक होना चाहिए
  

• कार्ड को फिक्स्ड डिपॉज़िट (एफडी) द्वारा समर्थित किया जाता है, इसलिए आपको संचयी, पुनः निवेश या ऑटो-रिन्यू मोड में एफडी खाता रखना होगा
  

• 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
  

आईडीएफसी फर्स्ट बैंक वॉव! क्रेडिट कार्ड के लिए आवेदन करने के लिए, आपको निम्नलिखित आवश्यक दस्तावेज जमा करने होंगेः

• पैन कार्ड की आवश्यकता है, जो पहचान के प्रमाण के रूप में कार्य करता है और वित्तीय वेरिफिकेशन के लिए महत्वपूर्ण है।
  

• आपकी पहचान और आवासीय पते दोनों की पुष्टि करने के लिए एक आधार कार्ड आवश्यक है, यह सुनिश्चित करते हुए कि सभी विवरण सटीक और वर्तमान के हैं
  

• 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: 

1. Click here to head to the application page
   

2. 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’
   

3. A One-Time Password (OTP) will be sent to your registered mobile number for verification
   

4. Review and confirm the pre-filled details, including your PAN number, PIN code, email address, and income details
   

5. Choose the IDFC FIRST Bank WOW! Credit Card from the list of available cards
   

6. 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
  
• International Customer Care Number: +91-22-6248-5152 (available for assistance when abroad)