IDFC FIRST WOW! Credit Card
A lifetime-free card against a fixed deposit of ₹20,000 or more, with no income proof or credit history needed, no forex markup and 4 points per ₹200 (1 point = ₹0.25). Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-15.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Insurance, utility bills, FASTag and railways | 1 point per ₹200 Terms | no cap on record |
| Online, offline and international spends | 4 points per ₹200 Terms | no cap on record |
UPI needs the FIRST Digital RuPay add-on card, at ₹199 + GST a year.
No rewards on
- Fuel (surcharge waiver applies) Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived, up to ₹200 a month Terms
Eligibility
- A fixed deposit of at least ₹20,000 with IDFC FIRST Bank; the credit limit is 100% of the deposit Product page
- Age 18 or above Product page
- Age 80 or below Product page
- Indian citizen with a permanent address in India Product page
- No income proof or credit history needed Product page
Not published by IDFC FIRST Bank in the documents read
- airport lounge access
The quotes behind the figures
21 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“Joining Fee and Annual Fee ₹0”
“There is absolutely no Joining/ Membership/ Annual fee applicable on the FIRST WOW! Credit Card. The credit card is free for life.”
“Forex markup on international transactions 0%”
“(1X reward point is given for every ₹200 spent in a transaction. Value of 1 reward point is ₹0.25)”
“1 Reward point per ₹200 spent on Insurance premium payments, Utility bill payments, FASTag recharges and Railway spends.”
“4 reward points per ₹200 spent on your online, offline and international spends”
“1X= 1 Reward Point per ₹200 spent | 1 Reward Point = ₹0.25”
“• Loan on Card • Balance Transfer • Cash withdrawal transactions • Transactions whose value is below ₹200”
“No Reward Points on the following category for FIRST WOW! and FIRST DIGITAL: • Fuel transactions (Fuel Surcharge waiver will be provided) • Transactions converted into EMI • Fee or Charges and the corresponding GST”
“Joining fee of just ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST”
“You can currently get the add-on FIRST Digital RuPay Credit Card if you hold any of the following IDFC FIRST Bank Credit Cards: FIRST Classic, FIRST Millennia, FIRST WOW!”
“Upon successful creation of your FD, a lien will be marked on 100% of the FD value.”
“- Reward redemption will attract a small convenience charge of ₹99 plus GST per redemption.”
“Fuel surcharge waiver* of 1%, at all fuel stations across India, up to ₹200/month”
“The credit limit for your FIRST WOW! Credit Card will be 100% of your fixed deposit amount.”
“Have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank”
“Age Limit Criteria:18 to 80 years”
“Be an Indian citizen with a permanent address in India”
“No, you do not need a credit history or need to submit any income proof to apply for the FIRST WOW! Credit Card.”
“Create your fixed deposit > Complete your KYC process > Your FIRST WOW! Credit Card is ready!”
“Enjoy seamless global acceptance and 24/7 premium customer support with the FIRST WOW! Credit Card, powered by the Visa Infinite network.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology