To be eligible for the IDFC FIRST WOW! Credit Card, you must meet the following criteria:

For Indian Residents

•Age 18 years or above

•Be an Indian citizen with a permanent address in India

•Have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank

For NRIs

• Age 18 years or above
  Have an NRE Savings Account with IDFC FIRST Bank
  Have a minimum Fixed Deposit (FD) of ₹25,000 with IDFC FIRST Bank
  
  Note: The Bank reserves the right to issue a Credit Card to the applicant based on 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 credit card criteria.

No, you do not need a credit history or need to submit any income proof to apply for the FIRST WOW! Credit Card.

The credit limit for your FIRST WOW! Credit Card will be minimum 100% of your fixed deposit amount.

1. Net Banking
   
   
   • Pre-login
     • Visit https://my.idfcfirstbank.com/login and click on Generate Credit Card PIN on the pre-login page
     • Enter your customer ID and credit card number and click on Get OTP
     • Complete the verification using the OTP sent on your registered mobile number
     • Enter and Re-enter a PIN of your choice and click on Confirm
     • Your credit card PIN is set
       
   • Login
     • Login to your Net Banking account
     • Select the Credit Card section
     • Select Set new PIN
     • Enter and Re-enter PIN of your choice and click on Get OTP
     • Complete the verification using the OTP sent to your registered mobile number
     • Your Credit Card PIN is set
        
2. 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 the Mobile Banking App
     • Access the Credit Card section
     • Select Set new PIN
     • Enter and Re-enter a PIN of your choice and click on Get OTP
     • Your Credit Card PIN is set
       
       
3. Customer Care:
   Dial our Customer Care and follow the instructions to generate the PIN

Yes, you can! The best part is that all ATM cash withdrawals with this credit card are interest-free for up to 45 days. Do keep in mind, however, that a cash advance fee of INR 199 + taxes is applicable per transaction, irrespective of the amount you withdraw.

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.

Since the FIRST WOW! Credit Card is an FD-backed, the add-on card facility isn’t available. However, you can easily apply for your own FIRST WOW! card here. It’s an assured card for everyone!

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152

The FIRST WOW! Credit Card is issued against a Fixed Deposit. That’s why, you need to create a new FD to enjoy this credit card. Upon successful creation of your FD, a lien will be marked on 100% of the FD value.

Once done, your FD will be linked to your FIRST WOW! Credit Card and your credit limit will be increased.

Only singly held fixed deposits will be eligible for the 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 the WOW! Credit Card.

Here are the benefits of a credit card backed by an FD:

1. No income proof required:  Customers can obtain a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers.
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. Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.

IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. You can check out current offers here: https://idfcfirstrewards.poshvine.com/offers

Here are the benefits of a credit card backed by an FD:

1. Income proof not required:  Customers can get a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers 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. Earn interest on fixed deposit: Cardholders continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.

The FIRST WOW! Credit Card offers 0% forex mark-up. Spend seamlessly while travelling abroad, as well as on international purchases made from India.

You will get minimum 100% of your FD limit, as your Credit Limit for FIRST WOW! Credit Card.

Yes. You can simply take a 3-step online journey through https://idfcfr.in/iemfeq and increase your FIRST WOW! Credit Card limit instantly.

• Improved credit score: Your credit score is calculated based on several factors including your credit utilization ratio. By increasing your credit cards’ credit limit, you can increase your available credit and improve your credit score.
• Increased purchasing power: A high credit card limit means more purchasing power. This can be especially beneficial when emergency costs arise or for making large purchases.
• Enhanced rewards: More spends on your credit card can earn you more rewards points.

There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.

Insurance premium payments and Utility bill payments will earn 1x reward points.  Rewards program not applicable on Fuel, EMI transactions & Cash withdrawals.

You can use your credit card 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 credit card reward points against attractive offers at idfcfirstrewards.poshvine.com.

The reward points will get credited upon statement generation.

There is absolutely no Joining/ Membership/ Annual fee applicable on the FIRST WOW! Credit Card. The credit card is free for life.

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 8.5% to 46.2% per annum. Usually, other credit cards charge as high as 43.8% per annum interest rate in case you choose to carry forward part of your outstanding balances.

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152

Individual NRI customers having NRE Savings Account with IDFC FIRST Bank will be eligible to get IDFC FIRST Bank FIRST WOW! Credit card. If he/she holds only a NRO Savings account, he can apply for credit card post opening NRE Savings account. 

Also, NRI Card members holding IDFC FIRST Bank credit cards need to make payment against their credit card bills via auto pay through NRE Account maintained with IDFC FIRST Bank only. 

There is absolutely no Joining/ Membership/ Annual fee applicable on any of the FIRST WOW! Credit Cards. Your card is free for life.

Customers with a pre-approved offer to avail of the FIRST WOW! Credit Card offer can apply through the IDFC FIRST Bank mobile app by following any one of the steps below:

-  Easy Banking >> Accounts & Deposits >> Secured card

-  Easy Banking >> Credit Cards >> Secured card

You can withdraw cash up to 100% of your fixed deposit value.

The credit limit of FIRST WOW! Credit Card for NRI depends on the amount you secure in your fixed deposit. 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.

You can set up auto debit on your NRE Account by following these simple steps:

1. Login to Mobile/Net banking
2. Go to Cards section
3. Scroll to the Auto-pay credit card bills option
4. Click on Manage
5. Toggle on autopay, select your IDFC FIRST Bank NRE Account, and select “Total amount due” –
6. Confirm the changes!

Yes, you can! And what’s great is that all ATM cash withdrawals are totally interest-free for up to 45 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only INR 199 + applicable taxes are applicable per transaction, irrespective of where you are or the amount you withdraw.