• It is a deposit-backed premium credit card.
• No credit score check is required.
• No documentation is required.
• The card is free for a lifetime
• It is suitable for rewards.
• Earn 4X reward points on all your spends and 6.25% interest p.a. on Fixed Deposit (FD).
• Best-in-class 100% cash withdrawal of your FD’s value while enjoying uninterrupted interest on the same.
• Travel the world with zero Forex Mark-up fee.
• Best-in-industry credit limit of a minimum of 100% of your FD value.
• Low interest rates starting from 9% p.a. on carry-over balances.
• EMI conversion facility: Through mobile on transactions above Rs. 2,500. 
• The rate of Interest (APR) applicable is 0.75% to 3.5% per month (9% to 42% per annum).
• Earn unlimited reward points that never expire. 
• The minimum age of the applicant should be 18 years or above.

Welcome Benefits

• 5% cashback on the first EMI done within 90 days.
• Applicable on minimum transaction value of Rs. 2,500.
• The maximum benefit available up to Rs. 1,000.

Rewards & Interest 

• 4X reward points on all your spends and 6.25% interest p.a. on FD
• Consider FD with 1 year + 1 day tenure. 
• Rates are dynamic and applicable till revised further.
• 1X = 1 Reward Point per Rs. 100 spent. 
• 1 Reward point = Rs. 0.25. 
• The Rewards Program is not applicable to Fuel, Insurance, EMI transactions & Cash withdrawals.

Retail Benefits

• Retail therapy all year long with 300+ merchant offers. 
• 20% discount across 1,500+ restaurants.
• Up to 15% discount at 3000+ Health & Wellness outlets.

Insurance & Road Assistance

• Complimentary Roadside Assistance worth Rs. 1,399
• Personal Accident Cover of Rs. 2,00,000. Valid on doing at least one transaction with FIRST WOW Credit Card in the last 30 days.
• Lost Card Liability Cover of Rs. 25,000.

WOW Convenience

• Instantly convert your transactions over Rs. 2,500 into easy and convenient Equated Monthly Instalments (EMIs). 
• Pay off your other bank credit card’s balance with IDFC FIRST’s balance transfer privileges.
• Convert your outstanding balance into easy EMIs with flexible tenure of 3 to 18 months.
• Pay using your accumulated reward points at partner merchants and online purchases.
• Perfect way of starting your credit journey and building a credit score, as this card offers one of the lowest interest rates.
• With its intuitive and simple mobile app, you have complete control in your hands. 

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India.
• Maximum up to Rs. 200 per month.

• Joining fee: Nil 
• Annual fee: Nil 
• Add-on card fee: Nil 
• Forex markup: Nil 
• Rate of interest (APR): 0.75% to 3.5% per month (9% to 42% per annum), applicable on purchases, cash advances & outstanding balances due. 
• Cash advance fee - transaction fee: Rs. 250 per transaction 
• FIRST Private Credit Card: Rs. 50,000 
• Late payment charges: 15% of the total amount due, minimum Rs. 100 and maximum Rs. 1,250. 
• Overdue interest: 3.99% per month (47.88% per annum) 
• Return of auto-debit/ cheque/ payment return: Rs. 250 per returned cheque/ auto-debit/ payment return. 
• Card replacement fee: Rs. 100;  Rs. 149 for cards with image personalisation 
• Image personalisation fee: Rs. 499 
• Reward redemption fee: Rs. 99 per redemption transaction, effective from 01.10.2022. 
• EMI fees: 1% of the transaction value, minimum Rs. 99. 
• Goods and Service Tax (GST): GST (presently 18%), as notified by the Government of India, is applicable on all the charges mentioned above.

Applicants must meet the eligibility criteria mentioned below for the IDFC FIRST WOW Card:

• Age: Applicant should be aged 18 years or more to apply for the IDFC FIRST WOW Card.
• Fixed Deposit: The applicant must have an FD in their name with IDFC FIRST Bank. FD should be in cumulative or re-invest and auto-renewed mode.
• Minimum Fixed Deposit amount: Minimum Rs. 2,000 for existing IDFC FIRST Bank customers and Rs. 5,000 for all other customers.
• Citizenship: Residents of India who have their current and permanent residential address within India are eligible.
• Location: The bank maintains a list of cities allowed for sourcing cards.
• Credit history: Applicant should have a good credit score without any history of defaulting on any loans or missing payments on loans/ credit cards.
• Internal policy criteria: IDFC FIRST Bank conducts certain internal policy criteria to select customers for credit card issuance. Bank’s internal policy criteria are based on the applicant’s credit history, relationship with the IDFC Bank, demographics, and credit exposure. The final decision on card approval will be at the sole discretion of the bank, according to the mentioned internal policies.

You will be required to provide the documents mentioned below in order to apply for IDFC FIRST WOW Credit Card:

• Proof of identity: Aadhaar Card/ Passport/ Driving License
• Proof of address: Aadhaar Card/ Voter ID/ Passport/ Ration Card
• Proof of income: Income Tax Returns, Form 16, and Salary Slip

You can apply for the IDFC FIRST WOW Credit Card from IDFC FIRST Bank’s web portal by following the steps given below:

• Open the IDFC FIRST WOW Credit Card page by clicking the link #
• Click on the ‘Apply Now’ button.
• Mention your name as given on your Aadhaar Card and your date of birth.
• Enter your 10-digit mobile number.
• Click on the ‘Get OTP’ button.
• Enter the OTP received on your registered mobile phone.
• You will get a call from the bank’s executive shortly regarding taking the application process ahead.
• Alternatively, you can also apply for an IDFC FIRST Bank WOW credit card from our website or by visiting the nearby IDFC FIRST branch.