IDFC Wow Credit Card

Overview

FIRST WOW! Zero Forex Markup credit card from IDFC First Bank. Enjoy 4X rewards, 45-day interest-free cash withdrawals & 100% FD-backed approval. Apply Now

Rewards

Benefits

• Rewards
• Here are the benefits of a credit card backed by an FD:
• No income proof required:  Customers can obtain a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers.
• Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.
• Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.
• Here are the benefits of a credit card backed by an FD:
• Income proof not required:  Customers can get a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers among others.
• Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.
• Earn interest on fixed deposit: Cardholders continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.
• Improved credit score: Your credit score is calculated based on several factors including your credit utilization ratio. By increasing your credit cards’ credit limit, you can increase your available credit and improve your credit score.
• Increased purchasing power: A high credit card limit means more purchasing power. This can be especially beneficial when emergency costs arise or for making large purchases.
• Enhanced rewards: More spends on your credit card can earn you more rewards points.
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Things to Know Before you apply

Fees & Charges

Fee waiver: N/A

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Rating

4.5/5

5.0/5

Highest rated

4.5/5

Fee Details

Joining Fee

₹199

Annual/Renewal Fee

Free

Joining Fee

Free

Annual/Renewal Fee

Free

Joining Fee

Free

Annual/Renewal Fee

Free

Welcome Benefit

• • d Points​ Zero forex charges ₹5k+ worth welcome benefit Discover FIRST WOW! Black About IDFC FIRST Bank Leadership Careers Investor Relations Corporate Governance Code Of Cond

• • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
• • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
• • Fulfillment Timeline: Credited within 60 days of card issuance

• • Complimentary activation bonus upon fee payment

Reward/Cashback Rate

• • UPI
• • Instant Issuance

• • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
• • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
• • Excluded Categories: Fuel transactions
• • Wallet loading
• • Cash advances

• • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
• • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more

Pros

• • UPI
• • Instant Issuance
• • Fully Digital Online Application
• • High value reward program
• • Wide merchant acceptance

• • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
• • Forex markup rate of 1.5%
• • Airport lounge and lifestyle dining privileges
• • Lifetime Free card with zero annual charges

• • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
• • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
• • High value reward program
• • Wide merchant acceptance

Cons

• • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified

• • Standard terms & exclusions apply
• • Reward exclusion on fuel purchases and wallet load transactions

• • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified