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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
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Avail awesome deals & discounts across the wide range of popular brands we’ve partnered with
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 43.8% 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.
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.
Age Policy:
Indian Resident & Sourcing Locations:
Eligibility:
Internal Policy Criteria
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.
There is absolutely no Joining/ Membership/ Annual fee applicable on the FIRST WOW! Credit Card. The credit card is free for life.
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 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.
Yes. You can simply take a 3-step online journey through https://idfcfr.in/iemfeq and increase your FIRST WOW! Credit Card limit instantly.
Yes, you can! The best part is that all ATM cash withdrawals with this credit card are interest-free for up to 48 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.
Here are the benefits of a credit card backed by an FD:
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. Only singly-held fixed deposits will be eligible for the FIRST WOW! Credit Card.
No, you do not need a credit history or need to submit any income proof to apply for the FIRST WOW! Credit Card.
Feb 03 • 3 mins read
Feb 03 • 3 mins read
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