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Are you ready for an upgrade?

Login to the new experience with best features and services

Login to Internet banking

For Loan Accounts
Pay Loan EMI

For Wholesale Accounts
Login to Wholesale Banking (New Portal)

Customer care hotline 1800 10 888

Customer Service

Help Center Support topics, Contact us, FAQs and more
Customer care hotline Call 1800 10 888

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View the WOW! benefits for

GURANTEED APPROVAL

A Credit Card for Everyone

Zero Credit History

Get it without a credit history

GROW YOUR MONEY

Earn 6.25% against your FD

Pay in Installments

Split your payments in parts

Blogs

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Plan your vacation with the best rewards Credit Card

The IDFC FIRST Bank Credit Card can help you save money on your New Year celebrations by providing you with discounts on travel tickets, hotel accommodation, and food.

Jan 03 • 3 mins read

What makes IDFC FIRST Bank Credit Cards the best for online shopping ?

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Top reasons that make IDFC FIRST WOW! Credit Card ideal for students

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Plan your vacation with the best rewards Credit Card

Jan 03 • 3 mins read

What makes IDFC FIRST Bank Credit Cards the best for online shopping ?

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Best travel Credit Cards for your next vacation

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Top reasons that make IDFC FIRST WOW! Credit Card ideal for students

Jan 18 • 3 mins read

WOW! Rewards
WOW! Privileges
WOW! Convenience

Enjoy the perks of WOW life now!

Reward Points redeemable anytime, anywhere online

Reward Points as good as cash

Enjoy the perks of WOW Privileges now!

Credit Limit 100% of the FD value

100% ATM cash withdrawal limit of the FD Value

Visa Infinite premium platform benefits

₹2,00,000 personal accident cover

1% fuel surcharge

Enjoy the perks of WOW Convenience now!

No credit score or history required

Popular FAQs

What are the eligibility criteria to apply for an IDFC FIRST WOW! Credit Card?

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 should be in cumulative/re-invest and auto-renewed mode

Minimum Fixed Deposit Amount:

· Existing IDFC FIRST Bank customers: INR 2,000

· All other customers: INR 5,000

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

Is there a Joining/Membership/Annual fee on IDFC FIRST WOW! Credit Cards?

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

How can I redeem the Reward Points that I have earned on my card?

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.

Is there an expiry date on the Reward Points accrued on my card?

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

What are the current offers available on IDFC FIRST Bank credit cards?

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.

What is the interest rate on my credit card?

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.

Can I use my credit card to withdraw cash at an ATM?

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.

How do I generate my credit card PIN?

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 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 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

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

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.

What are the benefits of having a credit card against a fixed deposit?

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.

What all Fixed Deposits can be used for applying for IDFC 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 WOW! Credit Card. Only those Fixed Deposits which are in the name of single individual shall be eligible for IDFC FIRST WOW! Credit Card.