IDFC FIRST Bank WOW Credit Card
IDFC FIRST Bank
IDFC FIRST Bank WOW Credit Card
IDFC FIRST Bank
Annual Fee
₹750
Effective Rate
0.25%
Network
VISA
Point Value
₹0.25/pt
About IDFC FIRST Bank WOW Credit Card
Secured credit card against fixed deposit. 0% forex markup — ideal for international travel. Reward points on all spends. ₹750 annual fee.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
- check_circleWOW Cashback Rewards
thumb_downCons
- cancelAnnual fee of ₹750 with no waiver option
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 3% | 300 pts≈ ₹75 |
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the IDFC FIRST Bank rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter via DreamFolks
~₹4,000/yr value
WOW Cashback Rewards
Cashback on all online spends
~₹2,500/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the IDFC FIRST Bank website.
| Annual Fee | ₹750 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about IDFC FIRST Bank WOW Credit Card.
Ready to apply for IDFC FIRST Bank WOW Credit Card?
Apply directly on the IDFC FIRST Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.