Wary about Credit Card fees? This lifetime-free Credit Card is just for you

Mohit was contemplating applying for a credit card. However, the associated joining fee and the regular annual fee discouraged him. He didn't want to pay additional charges on the card. That was when his friend, Ravi, suggested he go for a lifetime free credit card - the FIRST WOW! Credit Card - no charges and no compromise on the credit card benefits. 

Let's have a look at what the FIRST WOW! Credit Card is and what all it offers.

What is the FIRST WOW! Credit Card?
 

The FIRST WOW! Credit Card is a secured credit card offered against a fixed deposit (FD). You need to be 18 years and above to open an FD, and the lifetime free FIRST WOW! Credit Card will be yours.

What you get with the credit card is - 

No fees, ever!
 

The best things in life are free, and so is the FIRST WOW! Credit Card. There is no joining fee or a recurrent annual fee, making it one of your best credit card benefits. 

Fee-free international transactions

The FIRST WOW! Credit Card also makes your international transactions easy with zero forex markup charges. Pay anywhere across the world and incur no additional cost. 

Ultimate credit card rewards – earn every time you spend!
 

• Earn up to 4X reward points on every Rs 150 spent and 1X reward points on insurance and utility bill payments
• Redeem your reward points anytime, anywhere, without any restrictions
• The reward points never expire, allowing you to redeem them at your discretion
• You can convert your accumulated credit card rewards into cash and use it to pay your credit card dues

Unlocking maximum credit card benefits for you
 

• Grow your savings

You can grow your deposits and create a corpus for your financial goals with an excellent interest rate of up to 7.5% p.a., while enjoying up to 48 days of interest-free credit!

• Instalment payment 

Say goodbye to the stress of high credit card bills with the facility of EMI payments. Split the bill into affordable instalments and pay in a pocket-friendly manner. Now that's one of the credit card benefits you would love, won't you? 

• No credit history needed

Even if you have a low credit score or are new to credit, the FIRST WOW! Credit Card can be yours as the card doesn't require any credit history.

Premium privileges – a little extra is always better
 

• Up to 100% of the fixed deposit is allowed as the credit limit
• Withdraw up to 100% of your fixed deposit as cash
• 50% off on movie ticket bookings through BookMyShow
• Visa Infinite offers
• Personal accident cover worth Rs 2,00,000
• 1% waiver on fuel surcharge on the credit card
• Increase your fixed deposit and get an enhancement in the credit limit

​​In a nutshell
 

A multitude of credit card benefits with zero joining or annual fee – that's what FIRST WOW! Credit Card offers. So, if the thought of additional fees is holding you back from applying for a credit card, explore the FIRST WOW! Credit Card and think again. Grab the privileges and accumulate the reward points to get extra every time you spend. Plus, pay your credit card dues on time regularly and build up your credit score.

 

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.