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IDFC FIRST BankIDFC FIRST BankLifetime Free

IDFC FIRST WOW

4.72,000 reviewsSecuredCredit Builder
Welcome offerNil
Annual fee
Lifetime Free
Reward rate
4X Reward Points
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Free to apply via CardGuruji · subject to issuer approval

IDFC FIRST WOW
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

4X Reward Points

Secured Card against FD

Reward currency
Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • No credit check

  • 100% FD limit

  • Zero Forex

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Zero Forex

  • Guaranteed approval

What to watch out for

  • Requires FD

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹0Lifetime free — no renewal charge

Other charges

Applied only when the situation arises

Foreign currency markup
0%
Late payment
15%
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
0.75-3.5%
Cash advance
250
Eligibility

Will you qualify?

The credit profile this card is typically approved for.

None credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of IDFC FIRST Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about IDFC FIRST WOW

Everything you need to know about IDFC FIRST WOW fees, reward conversion, lounge access, and application eligibility.

The joining fee for IDFC FIRST WOW is nominal, and the annual renewal fee is Lifetime Free (₹0). Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for IDFC FIRST WOW from IDFC FIRST Bank, a CIBIL score of None or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

IDFC FIRST WOW is designed to reward everyday spends. It currently features: "Nil". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via IDFC FIRST Bank's rewards portal.

IDFC FIRST WOW does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for IDFC FIRST WOW directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.