IDFC FIRST Bank
VISA•••• •••• •••• 4242
IDFC FIRST Bank WOW Credit Card
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_circleZero forex markup on international transactions
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 | 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.
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.