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For Non-Resident Indians (NRIs), finding a convenient and flexible payment option is an essential part of managing their finances. A zero forex markup fee credit card like the IDFC FIRST WOW! Credit Card is the perfect solution for NRIs who need to make payments in different currencies.
The IDFC FIRST WOW! Credit Card for NRIs is fixed-deposit-backed premium credit card that does not charge any forex markup fees on international transactions. Plus, you get VISA Infinite Premium benefits including global acceptance and customer support so you can travel stress-free. Additionally, earn reward points for every transaction and redeem them for discounts and attractive offers.
Some of the Credit Card features have been revised, effective 1st May 2024.
To view the list of revised features, Click here.
*1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25. Rewards program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance premium payments and Utility bill payments will earn 1x reward points.
Cash advance fee of ₹199 is applicable per transaction
IDFC FIRST Bank offers a completely online and paperless mode to apply for the FIRST WOW! Credit Card
Register and verify your details
Choose and fund your Fixed Deposit
Complete your KYC process
NRI applicants must hold an NRE Savings account with IDFC FIRST Bank
They must be 18 years of age or above
Applicants must have a fixed deposit in pay-out/ re-invest, on auto-renew mode
Your FD account must have a minimum balance of ₹25,000
Documentation : No documentation required
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Refer to the fees and charges for the FIRST WOW! Credit Card below:
Annual membership fee: NIL
Monthly Finance charges: 0.75% to 3.65%
Cash Advance transaction fee: ₹199
Late Payment charge: 15% of the total amount due (a minimum of ₹100 and a maximum of ₹1300)
Auto debit return fee: 2% of Payment amount subject to a minimum of ₹500
Markup fee on international currency transaction: NIL
EMI Processing fee: 1% of the transaction value (a minimum of ₹99)
Image personalisation charge: ₹499
The IDFC FIRST WOW! Credit Card is a fixed-deposit-backed premium assured credit card for NRI customers that offers zero forex markup fee. The card provides benefits like transactions in INR from international locations, rewards on each transaction, no forex charges, and more. Since it’s a secured card, it requires minimal documentation and has a lenient eligibility criteria.
The FIRST WOW! Credit Card is not available to NRIs holding only an NRO account. However, if they wish to apply, they need to open a new NRE savings account, which will then be checked for eligibility before being approved.
You can set up an auto debit instruction on your NRE Account using net banking or the mobile banking app and following these simple steps:
1. Log in to Mobile/Net banking
2. Go to the Cards section.
3. Scroll to the Auto-pay credit card bills option.
4. Click on Manage
Toggle on autopay, select your IDFC FIRST Bank NRE Account, select “Total amount due” - and then confirm the changes
Customers with a pre-approved FIRST WOW! Credit Card offer can apply through the IDFC FIRST Bank mobile app by following any one of the steps below:
1. Easy Banking >> Accounts & Deposits >> Secured Card
2. Easy Banking >> Credit Cards >> Secured Card
The credit limit of the FIRST WOW! Credit Card for NRI depends on the amount you secure in your fixed deposit. The FIRST WOW! Credit Card from IDFC FIRST Bank offers a credit limit equal to 100% of your FD value.
- Minimum FD value/Credit limit is 25,000.
- Maximum FD value/Credit limit is 10,00,000
If your FIRST WOW! Credit Card has been blocked because of payment from source other than IDFC FIRST Bank NRE Account, you need to follow these steps to unblock the card:
1. If the customer has made a payment via a valid NRE account, he/she can contact his/her Relationship Manager, or submit a proof of account type within 30 days to nriservices@idfcfirstbank.com from his/her registered email address.
2. Submit a self-declaration form to nriservices@idfcfirstbank.com and share the details of your bank account through which payment was made on your IDFC FIRST WOW! Credit Card. Please download “self-declaration form” from here.
3. Attach the Account statement/ Passbook of the bank account through which payment was initiated on your IDFC FIRST WOW! Credit Card. The attached account statement should clearly mention the “Account Type-NRE”.
The credit card will be unblocked post requisite verifications.
NRIs holding IDFC FIRST Bank Credit Cards need to make a payment against their credit card bills only via auto-pay through their IDFC FIRST Bank NRE Savings Account.