FIRST WOW! Credit Card.
A premium, life-time free Credit Card with ZERO Forex mark-up
- No documents required
- Instant Credit Card
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No documents required -
Instant Credit Card
Premium WOW! offers:
- 7.25% p.a. FD interest + 100% ATM cash withdrawal limit
- Credit Limit of a minimum of 100% of the FD value
More reasons to love your FIRST WOW! Credit Card
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4X Reward Points on all spends
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0 Joining and Annual Fee
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0 Forex Mark-up Fee
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0% interest on cash withdrawal
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5% cashback on first EMI
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1% fuel surcharge waiver
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300+ Merchant & Dining offers, all year round
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4 complimentary RSA services in a year.
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Rs. 2 lakh Personal Accident Cover
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Rs. 25,000 lost card liability cover
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Earn everywhere. Retain forever. Redeem anytime, anywhere.
Get 4X Reward Points on your spends*, redeemable as cash on all online transactions and offline payments at select merchants.
You could also choose gift cards, memberships, and a lot more from your favourite brands, through our unique reward redemption catalogue page.
*Reward program not applicable on Fuel, Insurance, EMI transactions and cash withdrawals.
No joining or annual fees, and no conditions apply.
Your FIRST WOW! Credit Card is free for life. No minimum spends criteria, or any other terms and conditions, unlike the other offerings in the market.
Use your card fee-free, as you travel the world.
Save money on every international transaction – swipe or withdrawal, with 0 Forex mark-up fees, against the industry standard of 2% - 3.5% fees on every transaction.
Use your card fee-free, as you travel the world.
Save money on every international transaction – swipe or withdrawal, with 0 Forex mark-up fees, against the industry standard of 2% - 3.5% fees on every transaction.
Withdraw cash from ATMs, with no fees and no interest charges, even on your Credit Card!
With the FIRST WOW! Credit Card, you can withdraw money along your regular repayment cycle, without incurring any interest, at a mere Rs. 250 withdrawal fee. This, compared to an industry norm that typically charges a Rs. 500 withdrawal fee, along with monthly interest rates as high as 3.5%!
Your EMIs are now cheaper!
Get 5% cashback (up to ₹1,000) on the transaction value of first EMI done within 90 days of card generation, only on your FIRST WOW! Credit Card.
Fuel is now more economical
Fuel is now more economical, with a fuel surcharge waiver of 1%, at all pumping stations across India, capped to ₹200/month.
Save on food, electronics, groceries, home décor, travel, lifestyle, and a host of other categories.
Get exclusive offers across over 300 leading merchants and restaurants, 365 days of the year.
- Up to 20% discount across over 1,500 restaurants
Emergency roadside assistance, for those unfortunate occasions.
In the event of a breakdown, or an accident, our Roadside Assistance (RSA) partner, Global Assure, will provide you 24x7 assistance, anytime, anywhere, 4 times a year.
Tough times are covered too, with the FIRST WOW! Credit Card.
Get a Personal Accident Cover worth Rs. 2 lakh with your card.
Be doubly secured, with lost card liability cover.
The Lost Card Liability Cover protects you against Counterfeit/Skimming/Phishing and Online Fraud, of up to Rs. 25,000.
Have questions? Here are the answers!
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 Amount should be at least INR 2,000
· Fixed Deposit should be in cumulative/re-invest and auto-renewed mode
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
There is absolutely no Joining/ Membership/ Annual fee applicable on any of the IDFC FIRST WOW! Credit Cards. Your card is free for life.
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.
There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.
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.
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.
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.
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
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.
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.
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.