IDFC FIRST WOW! Credit Card
- Updated On: 29 July, 2026
The FIRST WoW Credit Card is a secured credit card (backed by a Fixed Deposit) issued by IDFC Bank, has tons of features, and provides great benefits for cardholders. You would need to make a Fixed Deposit of at least ₹20,000 with the bank in order to get this card. The card comes with ZERO joining and renewal fees, which means that the FIRST Wow Card is the ultimate lifetime free card. On top of that, the great thing is that the foreign markup fee with the WoW Card is also zero, which is a feature only super-premium credit cards with high fees offer. Therefore, you do not have to pay any extra charges or fees on international transactions.
The card offers 4 Reward Points/₹200 on every eligible spend, and the points you earn are valid for a lifetime, which means they do not expire at any point. You can use them to redeem vouchers, deals, and much more anytime. Keep reading for a more detailed review of the card:
IDFC FIRST WOW! Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
4 Reward Points/₹200 Spent (~0.50%)
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
50% Discount Up to ₹300 on Movie Ticket Bookings (Visa Infinite)
Rewards Rate
4 Reward Points/₹200 Spent (~0.50%)
Reward Redemption
Redeem Points Against Several Options. 1 Reward Point = ₹0.25
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Personal Accident Cover, Card Liability Cover, and More
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
Zero
Interest Rates
8.5% to 46.2% Per Annum
Fuel Surcharge Waiver
1% Waiver on Transactions Between ₹200 and ₹5,000 (Maximum ₹200 Each Statement Cycle)
Cash Advance Charges
₹199 + GST for Each Withdrawal
Product Details
- A lifetime free credit card.
- Earn 4X Reward Points on every spend
- 0% Foreign transaction markup fee.
- Get 1% Fuel surcharge waiver
- Insurance cover for Personal Accident, Card Liability cover, and many more.
Pros/Cons
Pros
- This is a lifetime free credit card.
- You shall get a 100% credit limit against the amount of Fixed Deposit
Cons
- There are no travel benefits associated with the IDFC FIRST WoW credit card.
IDFC FIRST WoW! Credit Card Rewards
With the IDFC FIRST WoW Credit Card, earn 4 Reward Points/₹200 on every eligible spend you make on the card. No reward points shall be awarded for fuel, EMI transactions, or cash withdrawals. Utility and insurance spends shall be awarded 1 Reward Point/₹200 spent.
Reward Redemption
You can use the earned Reward Points to instantly pay for online or in-store purchases and redeem gift vouchers of your choice. You have to pay a reward redemption fee of Rs. 99 plus taxes.
1 Reward Point = Rs. 0.25
IDFC WoW! Credit Card Features
The IDFC FIRST WoW Credit Card has many exceptional features and benefits, like a decent reward rate, fuel surcharge waiver, and many more. The following is the list of benefits offered with the WoW Card:
50% Off on BookMyShow
The WoW! Credit Card is available on the Visa Infinite platform. As a result, cardholders can benefit from additional rewards offered by Visa. For instance, customers can avail of a 50% discount of up to ₹300 on movie ticket bookings made through BookMyShow. Additionally, moviegoers can receive discounts on food and beverages (up to ₹200) when using this card. Furthermore, non-movie ticket bookings are eligible for a 50% discount of up to ₹500.
Fuel Surcharge Waiver
You get a 1% fuel surcharge waiver across all the fuel stations in India. You can avail of a maximum benefit of Rs. 200 per month through the fuel surcharge waiver on the IDFC FIRST WoW Credit Card.
Zero Forex Markup Fee
The IDFC FIRST WoW Credit Card comes with zero Forex markup fees; you do not have to pay any charges or fees on international transactions. This is a great advantage of this card, as the other secured credit cards generally charge 3.5% of the Forex markup fees on all international transactions.
Insurance Benefits
The following table lists the Insurance covers provided with the IDFC FIRST WoW Credit Card:
| Insurance Cover | Sum Insured |
| Personal Accident | Rs. 2,00,000 |
| Card Liability Cover | Rs. 25,000 |
| Purchase Protection | Rs. 25,000 |
IDFC FIRST WoW Credit Card Eligibility Criteria
The following table lists the requirements for an individual to be eligible to apply for the IDFC FIRST WoW Credit Card:
| Criteria | Description |
| Age | Applicant must be 18 years or above in age to apply for the IDFC FIRST WOW! Credit Card. |
| Residency | Applicant must be an Indian resident and have a permanent residential address within India. |
| Fixed Deposit |
|
How to Apply for the IDFC FIRST WoW Credit Card?
You can apply for the IDFC FIRST WoW Credit Card online by clicking on Apply Now. Compare and know in detail all the features, rewards, and offers associated with the IDFC Bank Wow Credit Card on our website and make an informed decision. Enter your details and successfully apply for the IDFC FIRST WOW! Credit Card. You can also apply for this credit card offline by visiting your nearest IDFC First Bank branch.
Cards Similar To IDFC FIRST WoW! Credit Card
| Benefits | IDFC FIRST WoW Credit Card | IDFC FIRST WOW! Black Credit Card |
| Annual Fees |
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| Rewards Rate |
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| Reward Redemption |
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| Additional Benefits |
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IDFC FIRST WoW Credit Card Review
The IDFC FIRST WoW Credit Card is a very attractive and beneficial option if you are looking for a secured credit card. There are no joining or renewal fees, no foreign transaction markup, no interest on ATM withdrawals, and very low interest rates. Features like these are rarely found on any credit card. There are several secured credit cards available in the market. However, none of them offer the features that WoW! Credit Card does.
Recently, AU Bank has launched a new secured credit card called the AU Nomo Credit Card, which also offers a lower Forex charge of 0.99% and can also be obtained against a Fixed Deposit of ₹20,000 only.
In addition to earning interest on your fixed deposit, the card offers reward points on every transaction you make, and these points never expire. You can choose to redeem these points whenever you wish to. The welcome benefits, fuel surcharge waiver benefits, and dining benefits with the card are very exciting. Also, the card offers insurance coverage and roadside assistance. So, if you are looking for a secured card with these many benefits and no annual fees, then the IDFC FIRST Credit card is the best choice for you. That was our review of the card; let us know your views in the comments below!
FAQs:
How much amount of fixed deposit is required to be opened with IDFC for the FIRST WoW Card?
In order to apply for the IDFC FIRST WoW Credit Card, the applicant needs to have a fixed deposit in his/her name with IDFC FIRST Bank for at least ₹20,000.
Are there any hidden charges/conditions behind the ZERO Joining and the Renewal fees of the card?
No, the joining and the renewal fees for the IDFC FIRST WoW Credit Card are completely NIL, and there are no hidden charges or any type of condition with it.
Is there any other charge on cash withdrawal with the card apart from the cash advance fee?
No, only the cash advance fee of Rs. 199 is applicable on the transaction of cash withdrawals, and there are no interest charges on the same.
Do I get Reward points for Fuel transactions made with the IDFC FIRST WoW Credit Card?
No, Rewards points are not applicable to fuel, Insurance, EMI transactions, and Cash withdrawals.
6 comments
Mir Rocus Jhon
Any limit on cash withdrawl
Jay
Do you get reward points for international transactions?
Kartik Kanwar
You shall. 4 RPs/Rs. 150 spend for all travel related spends. Including international ones.
SINGH
Be careful while you shop with first wow credit as you cannnot pay the credit card bill of first wow from third party app if you have the credit card from your NRE account. They will just reverse your payment of credit card to the source other than your NRE ACCOUNT.
Sachin Sharma
The benefits and rewards sound very appealing, especially the 10% cashback on grocery and department store purchases. I’ll have to give it some more thought, but it’s definitely on my radar now!
Kartik Kanwar
This card is especially great for those who are looking for a zero forex lifetime free credit card.