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The IDFC FIRST Bank WOW! Credit Card is designed to provide customers with a convenient and rewarding financial experience. It is ideal for those new to credit or seeking a card with flexibility and easy approval. Enjoy a wide range of exclusive benefits, including a lifetime free credit card, all with a hassle-free application process.

​Features and Benefits of the IDFC FIRST Bank WOW! Credit Card

The IDFC FIRST Bank WOW! Credit Card provides a host of convenient features and benefits to enhance your financial experience, including the following:

Lifetime Free Card

This credit card is free for life with no joining or annual fees, offering long-term savings without hidden costs.

Zero Forex Mark-up

Make international purchases without incurring additional fees, thanks to the zero forex mark-up, making it ideal for global travel or online shopping.

FD-backed Credit Limit

With an FD-backed credit limit equal to your fixed deposit amount, approval is easier, allowing you to secure a credit card even if you are new to credit.

Interest-free Credit Period

Enjoy a 45-day interest-free period on transactions, allowing better management of expenses without incurring immediate finance charges.

No Prior Credit History Required

This card does not require prior credit history, making it accessible for first-time users looking to build their credit profile.

Approval Without Income Proof

You can get this card without submitting income proof, as it is backed by your fixed deposit, simplifying the application process.

100% Cash Withdrawal Limit

This credit card offers a 100% cash withdrawal limit, ensuring access to emergency funds whenever needed, without restrictions on cash usage.

Complimentary Roadside Assistance

Get complimentary roadside assistance worth ₹1,399, offering peace of mind during unexpected vehicle breakdowns or emergencies. 

Exclusive Visa Infinite Network Offers

As part of the Visa Infinite network, you gain access to premium global offers, including travel, dining, and lifestyle privileges. 

Personal Accident Cover

The card provides personal accident cover of ₹2 Lakhs, offering financial protection for you and your family in case of unforeseen accidents.

Lost Card Liability Protection

With lost card liability protection of up to ₹25,000, you are safeguarded against unauthorised transactions if your card is lost or stolen.

​IDFC FIRST Bank WOW! Credit Card Rewards Program

The IDFC FIRST Bank WOW! Credit Card offers a rewarding experience that helps customers maximise value through the following features: 

  • Earn up to 4x reward points on every purchase made with the IDFC FIRST Bank WOW! Credit Card, boosting your earning potential 

  • The reward points you accumulate never expire, giving you complete flexibility in how and when you use them 

  • Enjoy the convenience of redeeming your reward points anytime, anywhere online, giving you full control over their usage

​ ​Charges Associated with the IDFC FIRST Bank WOW! Credit Card

Here is a breakdown of the fees and charges associated with the IDFC FIRST Bank WOW! Credit Card: 

Fees and Charges

Details

Interest Rate (APR) 

Starting from 0.75% per month (9% p.a.) 

Surcharge on Rent and Property Management Payments

 

1% surcharge per transaction, with a minimum of ₹249 (+ GST) 

Cash Withdrawal Fees 

₹199 (+ GST) per transaction 

Surcharge on Utility Spends (Electricity, Gas, Telecom, etc.) above ₹20,000 

1% surcharge (+ GST) on total utility spends above ₹20,000 in a statement cycle 

Disclaimer: The charges listed above are subject to change at the discretion of IDFC FIRST Bank. Refer the latest terms and conditions on the official website for the updated fees and charges.

​​Eligibility Criteria to Apply for this Card

To be eligible for the IDFC FIRST Bank WOW! Credit Card, you must meet the following criteria: 

  • You must be at least 18 years of age 

  • You must be an Indian citizen with both permanent and current residential addresses in India 

  • The card is backed by a Fixed Deposit (FD) so you must hold an FD account in cumulative, re-invest, or auto-renew mode 

  • A minimum fixed deposit of ₹20,000 is required to qualify for this credit card

​ ​Documents Required to Apply for this Card

To apply for the IDFC FIRST Bank WOW! Credit Card, you must submit the following essential documents: 

  • A PAN card is required, serving as proof of identity and crucial for financial verification 

  • An Aadhaar card is necessary to confirm both your identity and residential address, ensuring all details are accurate and current

​​How to Apply for the IDFC FIRST Bank WOW! Credit Card

Applying for the IDFC FIRST Bank WOW! Credit Card is a straightforward process. Follow this step-by-step guide to apply via Bajaj Markets: 

  1. Begin by checking your eligibility by entering your profession, mobile number, and date of birth, accepting the terms, and then clicking on ‘Check Card Offer’ 

  2. A One-Time Password (OTP) will be sent to your registered mobile number for verification 

  3. Review and confirm the pre-filled details, including your PAN number, PIN code, email address, and income details 

  4. Choose from the list of available cards 

  5. Finally, click on ‘Submit’ to complete and finalise your application

IDFC FIRST Bank WOW!​ Credit Card Customer Care

For any enquiries or support regarding your IDFC FIRST Bank WOW! Credit Card, you can contact customer service via the following channels: 

  • Customer Care Number: 1800-10-888 

  • WhatsApp Chat: Send ‘Hi’ to 9555-555-555 for prompt assistance from a representative 

  • Customer Care Email: banker@idfcfirstbank.com 

  • Registered Office: IDFC FIRST Bank Ltd., KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India 

  • Corporate Office: IDFC FIRST Bank Limited, The Square, C-61, G Block, Ground to 8th Floor, Bandra Kurla Complex, Bandra East, Mumbai – 400051 

  • International Customer Care Number: +91-22-6248-5152 (available for assistance when abroad)

IDFC FIRST Bank WOW! Credit Card vs Others

Before applying for the IDFC FIRST Bank WOW! Credit Card, it is important to compare it with other cards offered by IDFC FIRST Bank. Choose the card that best suits your needs: 

Card Name

Cashback

Complimentary Airport Lounge Access

Fuel Surcharge Waiver 

10X Reward Points

 

 

FIRST WOW! Credit Card

✘ 

✘ 

✔ 

✘ 

 

 

 

 

FIRST Power Credit Card 

✔ 

✘ 

✔ 

✘ 

 

 

FIRST Classic Credit Card 

✔ 

✘ 

✔ 

✔ 

 

 

FIRST SWYP Credit Card 

✔ 

✘ 

✔ 

✘ 

 

 

FIRST Millennia Credit Card 

✔ 

✘ 

✔ 

✔ 

 

 

FIRST Power+ Credit Card 

✔ 

✔ 

✔ 

✘ 

 

 

FIRST Select Credit Card 

✔ 

✔ 

✔ 

✔ 

 

 

FIRST EA₹N Credit Card 

✔ 

✘ 

✘ 

✘ 

 

 

FIRST Wealth Credit Card 

✔ 

✔ 

✔ 

✔ 

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Frequently Asked Questions

What is the credit limit for the IDFC FIRST Bank WOW! Credit Card?

Cardholders can receive a credit limit of up to 100% of their fixed deposit amount, providing them with access to the full value of their deposit for spending or cash withdrawal.

Are there any annual charges for the IDFC FIRST Bank WOW! Credit Card?

No, the IDFC FIRST Bank WOW! Credit Card does not have any annual charges or renewal fees. It is a lifetime free credit card secured against your fixed deposit.

What is the interest rate offered against your fixed deposits by IDFC FIRST Bank?

When pledging your fixed deposit as collateral to apply for an IDFC FIRST Bank WOW! Credit Card, you can earn an interest rate of up to 7.25% per annum.

Can I increase my FIRST WOW! Credit Card’s limit?

Yes, you can increase your credit card limit by simply visiting the official website and submitting a request to instantly raise your limit.

What is the minimum salary required to apply for the IDFC FIRST WOW! Credit Card?

There is no need to provide income proof or credit history when applying for the IDFC FIRST Bank WOW! Credit Card. As the card is secured against your fixed deposit, there is no minimum salary requirement.

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