IDFC First FIRST WOW! Credit Card Review
Rewards card
The IDFC First FIRST WOW! is lifetime free (no joining or annual fee). It earns 0.12% back on regular spends. Best for: international spenders and credit builders wanting zero forex markup — our verdict: recommended.
We may earn a commission if you apply through this link. It never affects our ratings.
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 0.12% and stacks best when your spending lines up with International Spender, Credit Builder.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
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?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Sign in for personalized estimates based on your actual spending
Reward Rates
IDFC First FIRST WOW! offers 0.12% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
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
5 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDFC First Bank website.
Apply on IDFC First Bank →We may earn a commission if you apply through this link. It never affects our ratings.
Explore more on Vyaya
Bank comparisons
Guides & best picks
Browse by category