Idfc First Wow Credit Card

The IDFC FIRST WoW Credit Card is a secured credit card (backed by a Fixed Deposit) issued by IDFC Bank, having tons of features and provides great benefits for cardholders. The card comes with ZERO Joining Fees and Renewal fees, which means that the FIRST Wow Card is an ultimate lifetime free card. On top of that, the great thing is that the foreign markup fee with the WoW Card is also ZERO, which is not there in other IDFC FIRST Credit cards. Therefore, you do not have to pay any charges or fees on international transactions. The card offers 4 Reward points on every other spend, and the points you earn are valid for a lifetime, which means they do not expire at any point. You can use them to redeem vouchers, deals, and much more anytime. It also comes with a Welcome benefit of 5% Cashback and offers a 1% Fuel surcharge waiver. Apart from this, you also get Personal Accident and Card Liability cover of up to Rs. 2 Lakh and Complimentary Roadside Assistance worth Rs. 1,399 four times a year. Also, enjoy great dining benefits and discounts at 3000+ Health and wellness outlets.

Check your Idfc First Wow Credit Card eligibility

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Note: It will not affect your score

Idfc First Wow Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation.

reward and benefits +

Movie & Dining

20% discount at 1500+ restaurants with IDFC FIRST WoW Credit Card.

Reward Redemption

Use the earned Reward Points to instantly pay for online or in-store purchases. 1X = 1 Reward Point per Rs. 150 spent therefore, 1 Reward point = Rs. 0.25

Rewards Rate

Earn 4X (4RP) Reward Points on every Rs. 150 spent

Insurance Benefits

Personal Accident, Card Liability cover and many more.

free & charges +

Interest Rates

0.75% - 3.5% p.m. (9% - 42% p.a.)

Rewards Redemption Fee

Rs. 99 per redemption transaction

Fuel Surcharge

1% fuel surcharge waiver (up to Rs. 200 per statement cycle)

Cash Advance Charges

Rs. 250

product details +

  • Lifetime Free Credit card.
  • Earn 4X Reward Points on every spend
  • Unlimited Reward Points that never expire
  • 0% Foreign transaction markup fee.
  • Get 5% Cashback up to Rs. 1,000 on the first EMI transaction done
  • Get 20% discount at 1500+ restaurants
  • Get 15% discount at 3000+ Health & Wellness outlets
  • Get 1% Fuel surcharge waiver
  • Insurance cover for Personal Accident, Card Liability cover and many more.
  • 4 Complimentary Roadside Assistance worth Rs. 1,399

    pros / cons +

    Pros

    • This is a lifetime free credit card.
    • You can get up to 20% off on partner restaurants with this credit card.

    Cons

    • There are no travel benefits associated with the IDFC FIRST WoW credit card