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Premium Metal
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AshvaLifestyle1% Forex₹2,999
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MayuraLifestyleZero Forex₹5,999
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FIRST PrivateInvite Only
0% Forex & Travel
- Best for travellers
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MayuraZero ForexMetal₹5,999
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Ashva1% ForexMetal₹2,999
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FIRST WOW!Zero ForexTravelLifetime Free
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FIRST SWYPTravel OffersEMI₹499
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FIRST Select1.99% ForexLifestyleLifetime Free
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FIRST Wealth1.5% ForexLifestyleLifetime Free
Lifetime Free
- Max benefits, Free for life
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FIRST Classic10X RewardsShoppingNever Expiring Rewards
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FIRST Millennia10X RewardsShoppingNever Expiring Rewards
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FIRST Select10X RewardsLifestyle1.99% Forex
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FIRST Wealth10X RewardsLifestyle1.5% Forex
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FIRST WOW!RewardsTravelZero Forex
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LIC ClassicRewardsInsuranceShopping
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LIC SelectRewardsInsuranceShopping
10X Rewards
- Reward Multipliers
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AshvaLifestyleMetal₹2,999
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MayuraLifestyleZero Forex₹5,999
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FIRST ClassicNever Expiring RewardsShoppingLifetime Free
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FIRST MillenniaNever Expiring RewardsShoppingLifetime Free
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FIRST SelectNever Expiring RewardsLifestyleLifetime Free
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FIRST WealthNever Expiring RewardsLifestyleLifetime Free
UPI Cards
- Rewards & Credit on UPI
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FIRST Power+FuelUPI₹499
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FIRST PowerFuelUPI₹199
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FIRST EA₹NVirtual1% Cashback₹499
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FIRST DigitalVirtualUPI₹199
Fuel & Utility
- Fuel and Savings
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FIRST PowerRewardsUPI₹199
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FIRST Power+RewardsUPI₹499
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LIC ClassicRewardsInsuranceShopping
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LIC SelectRewardsInsuranceShopping
Showstopper
- Express and Flaunt
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AshvaMetal1% Forex₹2,999
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MayuraMetalZero Forex₹5,999
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FIRST SWYPEMIOfferMAX₹499
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FIRST MillenniaRewardsShoppingLifetime Free
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- FD Backed rewarding Credit Cards for all
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FIRST EA₹NVirtualCashback₹499
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FIRST WOW!Zero ForexTravelLifetime Free
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ESG
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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Populer FAQs
How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
How do I track service requests which I have already raised?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account Now
Enjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
Apply Now
Credit Card against FD
Ultimate convenience and comfort with a lifetime-free premium Credit Card, bound to WOW you anytime, every time.
WOW! Rewards
Experience the WOW life now!
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Convenience at its best. Zero documentation required.
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No more joining fee or annual fee, only a lifetime of premium benefits and rewards on VISA Infinite
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4X Rewards on every spend and 7.25% interest p.a. on FD
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Travel the world with best-in-class zero Forex Mark-up fee
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Retail therapy all year long with 300+ merchant offers and 20% discount across 1,500+ restaurants
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Aspire more with the best-in-industry credit limit of a minimum of 100% of your FD value
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Soar higher with best-in-class 100% cash withdrawal of your FD value while enjoying uninterrupted interest on the same
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Enjoy more with low interest rates starting at 9% p.a. on carry-over balances
*Consider FD with 367 days period. Rates are dynamic and applicable till revised further.
**4X = 4 Reward Points per INR 150 spent | 1 Reward point = ₹0.25. Rewards Program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
WOW! PRIVILEGES
Best-in-class features.
Designed to delight, year after year.
Wow! Privileges you deserve
Complimentary roadside assistance worth ₹1399
Fuel charges waiver of 1% at all the fuel stations across India, up to ₹200/month
Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000
Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets
*valid on doing at least one transaction on FIRST WOW! Credit Card in last 30 days
Welcome Benefits 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation
WOW! Convenience
WOW! Convenience
you want
you want
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Instantly convert your transactions above ₹2500 into easy and convenient EMIs
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Pay off your other bank credit card balances with our balance transfer privileges
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Pay using reward points at partner merchants and online purchases
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Perfect companion to start your credit journey and build a credit score, as it offers one of the lowest interest rates
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Complete control in your hands with its intuitive and simple mobile app
EASY PAYMENT OPTIONS
IDFC FIRST Bank Credit Card Bill Payment
Explore our various online credit card payment options.
Standing Instructions (e-mandates) for recurring payments
View your standing instructions (recurring payments) set at various merchants here and modify/ cancel them effortlessly.
Balance Conversion into easy EMI
Now convert your outstanding balance into easy EMI with flexible tenure of 3 - 18 months
Frequently asked questions
What are the eligibility criteria to apply for an IDFC FIRST WOW! Credit Card?
Age Policy:
· Applicant must be aged 18 yrs. or above in order to apply for an IDFC FIRST WOW! Credit Card
Indian Resident & Sourcing Locations:
· Applicant must qualify as an Indian resident and have a current and permanent residential address within India
· IDFC FIRST Banks maintains a set of cities which are allowed for sourcing
Eligibility:
· The applicant needs to have a fixed deposit in his/her name with IDFC FIRST Bank
· Fixed Deposit should be in cumulative/re-invest and auto-renewed mode
Minimum Fixed Deposit Amount:
· Existing IDFC FIRST Bank customers: INR 2,000
· All other customers: INR 5,000
Internal Policy Criteria
· Bank runs certain internal policy criteria to select a customer for issuing credit cards
· Internal Policy criteria are based on bureau history, any existing Bank relationship, customer demographics, and credit exposure
· The Bank reserves the right to issue a Credit Card to the applicant basis an assessment of his / her credentials.
The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above criteria
Is there a Joining/Membership/Annual fee on IDFC FIRST WOW! Credit Cards?
There is absolutely no Joining/ Membership/ Annual fee applicable on any of the IDFC FIRST WOW! Credit Cards. Your card is free for life.
How can I redeem the Reward Points that I have earned on my card?
You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your Reward Points against amazing offers at idfcfirstrewards.poshvine.com.
Is there an expiry date on the Reward Points accrued on my card?
There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.
What are the current offers available on IDFC FIRST Bank credit cards?
IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.
What is the interest rate on my credit card?
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.
Can I use my credit card to withdraw cash at an ATM?
Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.
How do I generate my credit card PIN?
Net Banking
Pre-login
- Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login]
- Enter “Customer ID” & “Credit Card number” and click on Get OTP
- Verify using the OTP sent on your registered mobile number
- Enter and Re-enter PIN of your choice and click on confirm
- Your Credit Card PIN is set
Login
- Login to your Net Banking account
- Select Credit Card section
- Select Set new PIN
- Enter and Re-enter PIN of your choice and click on Get OTP
- Please verify through the OTP sent to your registered mobile number
- Your Credit Card PIN is set
Mobile Banking App
Pre-login
- Select browse icon from the right side top menu on login page
- Enter “Customer ID” & “Credit Card number” and click on Get OTP
- Please verify through the OTP sent to your registered mobile number
- Enter and Re-enter PIN of your choice and click on confirm
- Your Credit Card PIN is set
Login:
- Login to Mobile Banking App
- Access Credit Card section
- Select Set new PIN
- Enter and Re-enter PIN of your choice and click on Get OTP
- Your Credit Card PIN is set
Customer Care:
- Dial our Customer Care and follow the instructions to generate the PIN
Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
What are the benefits of having a credit card against a fixed deposit?
1. Income proof not required: Customers can get a credit card without providing any income proof. Apart from professionals, this is useful for homemakers, students, gig-economy workers, among others.
2. Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time, will help create a good credit history and credit score.
3. Interest on fixed deposits: Cardholders continue to earn interest on their fixed deposits.
What all Fixed Deposits can be used for applying for IDFC FIRST WOW! Credit Card ?
The Fixed Deposits opened / placed by HUFs, Partnership firms/society/trust, minors or opened jointly by applicant/s, Tax Saver or Flexi-Deposits (Auto-sweep Fixed Deposits) shall not be entitled for WOW! Credit Card. Only those Fixed Deposits which are in the name of single individual shall be eligible for IDFC FIRST WOW! Credit Card.
