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Obtaining a credit card against a fixed deposit can be an excellent idea for someone building their credit history. They eliminate the odds of being denied a credit card due to low credit scores or lack of income proof. No more extended wait times and documentation processes - with the FIRST WOW! Credit Card, you can enjoy the benefits of IDFC FIRST Bank Credit Cards just by opening a fixed deposit. Get the WOW! factor every time you spend and enjoy unmatched benefits!
The FIRST WOW! Credit Card is secured against your fixed deposit, provides a 100% withdrawal limit, and offers freedom to access funds anywhere.
Enjoy ultimate convenience and comfort with this lifetime-free premium credit card.
*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
***Cash advance fee of INR 199
With our fixed deposit at 7.5% interest rates, you can grow your wealth and access liquidity instantly..
The fixed deposit must be in cumulative/auto-renew/re-invest mode
The applicant must have an FD account in their name with minimum deposit of 5000.
Best-in-class features.
Designed to delight, year after year.
WOW! Convenience
you want
Instantly convert your transactions above ₹2500 into easy and convenient EMIs
Pay off your other credit card balances with our balance transfer privileges
Pay using reward points at partner merchants and online purchases
The perfect companion to start your credit journey and build a credit score, as it offers one of the lowest interest rates
Have complete control with our intuitive and easy-to-use mobile app