IDFC FIRST WoW Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Dining | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation.
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The IDFC FIRST WoW Credit Card is a secured credit card (backed by a Fixed Deposit) issued by IDFC Bank, having tons of features and provides great benefits for cardholders. The card comes with ZERO Joining Fees and Renewal fees, which means that the FIRST Wow Card is an ultimate lifetime free card. On top of that, the great thing is that the foreign markup fee with the WoW Card is also ZERO, which is not there in other IDFC FIRST Credit cards. Therefore, you do not have to pay any charges or fees on international transactions. The card offers 4 Reward points on every other spend, and the points you earn are valid for a lifetime, which means they do not expire at any point. You can use them to redeem vouchers, deals, and much more anytime. It also comes with a Welcome benefit of 5% Cashback and offers a 1% Fuel surcharge waiver. Apart from this, you also get Personal Accident and Card Liability cover of up to Rs. 2 Lakh and Complimentary Roadside Assistance worth Rs. 1,399 four times a year. Also, enjoy great dining benefits and discounts at 3000+ Health and wellness outlets. The card offers easy and convenient EMI options for transactions above Rs. 2,500. Keep reading for a more detailed review of the card:

New Features

Spend Based Waiver


Interest Rates

0.75% – 3.5% p.m. (9% – 42% p.a.)

Add-on Card Fee


Rewards Redemption Fee

Rs. 99 per redemption transaction

Fuel Surcharge

1% fuel surcharge waiver (up to Rs. 200 per statement cycle)

Foreign Currency Markup


Cash Advance Charges

Rs. 250

Movie & Dining

20% discount at 1500+ restaurants with IDFC FIRST WoW Credit Card.



International Lounge Access


Rewards Rate

Earn 4X (4RP) Reward Points on every Rs. 150 spent



Insurance Benefits

Personal Accident, Card Liability cover and many more.

Reward Redemption

Use the earned Reward Points to instantly pay for online or in-store purchases. 1X = 1 Reward Point per Rs. 150 spent therefore, 1 Reward point = Rs. 0.25

Domestic Lounge Access


Zero Liability Protection

You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.


This is a lifetime free credit card. You can get up to 20% off on partner restaurants with this credit card.


There are no travel benefits associated with the IDFC FIRST WoW credit card.

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