The essentials at a glance
- Annual fee
- Lifetime free
- Best known for
- Lifetime FREE - No Joining or Annual fee
- Issuer & network
- IDFC FIRST Bank · Credit Card
- Eligibility snapshot
- New to Credit: Allowed
Verify live fees, reward caps and eligibility with the issuer before applying.
What does the IDFC FIRST WOW Credit Card offer?
IDFC FIRST WOW Credit Card offers Lifetime FREE - No Joining or Annual fee.
- Lifetime FREE - No Joining or Annual fee
- Enjoy 0% forex markup fees on all international transactions
- Get an assured credit card by opening an FD of Rs 20,000 or more. No income proof, salary slips or previous credit history are required. Your credit limit equals 100% of the FD amount, and you continue earning interest on the FD throughout the tenure
- Earn 4 Reward Points for every Rs 200 spent on eligible online, offline and international transactions. Earn 1 Reward Point per Rs 200 on Insurance, Utility Bills, IDFC FASTag and Railway bookings. Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per RP
- Earn 10% Bonus Reward Points on hotel bookings and 5% Bonus Reward Points on flight bookings made through the FIRST Rewards Gallery on the IDFC FIRST Mobile Banking App
- Reward Points are valid for 24 months from the date they are credited, as per the revised Reward Points policy applicable to Lifetime Free cards. Reward Points can be redeemed for flights, hotels, vouchers, merchandise and more. A Rs 99 + GST redemption fee is applicable per redemption transaction
What are the fees and charges?
The currently listed fee information is shown below. Fee waivers and taxes may depend on spending or issuer conditions.
Joining FeeNil
Annual FeeNil
Who may be eligible for this card?
Eligibility is determined by the issuer and approval is not guaranteed. These are the available eligibility indicators for this offer.
- New to CreditAllowed
Which documents may be required?
Document requirements can vary after the issuer checks your employment, address and application profile.
The offer page did not list a separate document checklist. Keep standard identity, address and income documents ready.
What should you check before applying?
Confirm the live issuer terms, especially reward exclusions, monthly or quarterly caps, milestone spending and fee-waiver requirements.
- Please use Aadhaar linked mobile number to fill the application
This page summarizes available offer information for easier comparison. It is not financial advice or an approval guarantee. Product terms can change, so verify the final details shown by the issuer during application.
