IDFC First FIRST WOW! Credit Card: Fees, Rewards & Benefits
Rewards card
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The IDFC First FIRST WOW! is a free, FD-backed card whose headline draw is 0% forex markup on all international spends. With a weak 1 point per Rs 200 base, no lounge access and a credit limit tied to the deposit, it is best used as a forex-friendly travel card or credit builder rather than a primary rewards card.
Rewards card
The Bottom Line
The IDFC First FIRST WOW! is built for international spender and credit builder. With no annual fee, it offers 0.5% rewards on other and zero forex markup. It makes the most sense if your spending matches international spender and credit builder.
It earns a base reward rate of 0.125% and stacks best when your spending lines up with International Spender, Credit Builder.
Who Should Get This Card
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Best fit for
IdealTravellers and overseas shoppers who want a free card with 0% forex markup on all international transactions
Those without a credit history who can secure the card against a fixed deposit
Probably not for
SkipEveryday domestic spenders, given the low 1 point per Rs 200 base and Rs 0.25 point value
Travellers who need airport lounge access, which this card does not offer
Is It Worth It For You?
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Reward Rates
IDFC First FIRST WOW! offers 0.125% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- FD-backed secured card; requires min ₹20,000 fixed deposit; no income proof or credit score needed; Visa Infinite; lifetime free.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- No reward points earned on EMI transactions.
Cash Withdrawals
- No reward points earned on cash withdrawals / cash advances. A cash advance fee of Rs. 250 applies per withdrawal.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDFC First Bank website.
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