Travel on Points

IDFC FIRST WOW! Credit Card

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  • Joining fee

    Nil

  • Annual fee

    Nil

  • Best suited for

    Dining, Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    4 Reward Points/₹200 Spent (~0.50%)

  • Reward redemption

    Redeem Points Against Several Options. 1 Reward Point = ₹0.25

Benefits

  • Movie & dining

    50% Discount Up to ₹300 on Movie Ticket Bookings (Visa Infinite)

  • Insurance

    Personal Accident Cover, Card Liability Cover, and More

Fees & charges

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    Zero

  • Interest rates

    8.5% to 46.2% Per Annum

  • Fuel surcharge waiver

    1% Waiver on Transactions Between ₹200 and ₹5,000 (Maximum ₹200 Each Statement Cycle)

  • Cash advance charges

    ₹199 + GST for Each Withdrawal

Product highlights

  • A lifetime free credit card.
  • Earn 4X Reward Points on every spend
  • 0% Foreign transaction markup fee.
  • Get 1% Fuel surcharge waiver
  • Insurance cover for Personal Accident, Card Liability cover, and many more.

Pros & cons

Pros

  • This is a lifetime free credit card.
  • You shall get a 100% credit limit against the amount of Fixed Deposit

Cons

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

FAQs

How much amount of fixed deposit is required to be opened with IDFC for the FIRST WoW Card?

In order to apply for the IDFC FIRST WoW Credit Card, the applicant needs to have a fixed deposit in his/her name with IDFC FIRST Bank for at least ₹20,000.

Are there any hidden charges/conditions behind the ZERO Joining and the Renewal fees of the card?

No, the joining and the renewal fees for the IDFC FIRST WoW Credit Card are completely NIL, and there are no hidden charges or any type of condition with it.

Is there any other charge on cash withdrawal with the card apart from the cash advance fee?

No, only the cash advance fee of Rs. 199 is applicable on the transaction of cash withdrawals, and there are no interest charges on the same.

Do I get Reward points for Fuel transactions made with the IDFC FIRST WoW Credit Card?

No, Rewards points are not applicable to fuel, Insurance, EMI transactions, and Cash withdrawals.