This credit card offers lifetime free access to benefits with no joining or annual charges, a 100% cash withdrawal limit, and several other valuable benefits.
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.
The IDFC FIRST Bank WOW! Credit Card provides a host of convenient features and benefits to enhance your financial experience, including the following:
This credit card is free for life with no joining or annual fees, offering long-term savings without hidden costs.
Make international purchases without incurring additional fees, thanks to the zero forex mark-up, making it ideal for global travel or online shopping.
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.
Enjoy a 45-day interest-free period on transactions, allowing better management of expenses without incurring immediate finance charges.
This card does not require prior credit history, making it accessible for first-time users looking to build their credit profile.
You can get this card without submitting income proof, as it is backed by your fixed deposit, simplifying the application process.
This credit card offers a 100% cash withdrawal limit, ensuring access to emergency funds whenever needed, without restrictions on cash usage.
Get complimentary roadside assistance worth ₹1,399, offering peace of mind during unexpected vehicle breakdowns or emergencies.
As part of the Visa Infinite network, you gain access to premium global offers, including travel, dining, and lifestyle privileges.
The card provides personal accident cover of ₹2 Lakhs, offering financial protection for you and your family in case of unforeseen accidents.
With lost card liability protection of up to ₹25,000, you are safeguarded against unauthorised transactions if your card is lost or stolen.
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
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.
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
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
Applying for the IDFC FIRST Bank WOW! Credit Card is a straightforward process. Follow this step-by-step guide to apply via Bajaj Markets:
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’
A One-Time Password (OTP) will be sent to your registered mobile number for verification
Review and confirm the pre-filled details, including your PAN number, PIN code, email address, and income details
Choose from the list of available cards
Finally, click on ‘Submit’ to complete and finalise your application
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
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 |
✔ |
✔ |
✔ |
✔ |
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.
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.
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.
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.
Yes, you can increase your credit card limit by simply visiting the official website and submitting a request to instantly raise your limit.
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.