IDFC First WOW Credit Card

WOW Privileges

IDFC First WOW Credit Card offers the following privileges:

• It provides Personal Accident Cover of Rs.2 lakhs and Lost Card Liability Cover worth Rs.25,000. 

• Get up to 20% off at dining at more than 1,500+ restaurants across India. 
• Fuel surcharge waiver of 1% (up to Rs.200 per month) on fuel transactions; a 1% fee applies instead if fuel spends exceed Rs.30,000 in a statement cycle. 

WOW Convenience

The following are conveniences offered by IDFC First WOW Credit Card:

• The cardholders can convert their transactions that are more than Rs.2,500 into easy Equated Monthly Instalments (EMIs).
• Its balance transfer privileges allow the cardholders to pay their other bank credit card balances.
• Cardholders can also make the purchases at online stores and partner retail stores using reward points.
• The card charges the lowest interest rates as compared to the other credit cards.
• The mobile application of IDFC First Bank comes with simple and smooth user interface.
• Get 5% cashback on purchases up to Rs.1,000 on first EMI transaction.
• Cash withdrawals at any ATM, domestic or international, attract 0% interest for up to 45 days, in addition to a flat cash advance fee (see Fees and Charges below). 

Insurance Benefits

The following table describes the insurance benefits provided by IDFC First WOW Credit Card:

IDFC First WOW Credit Card Fees and Charges

Given below are fees and charges related to IDFC First WOW Credit Card:

• Annual Fee: IDFC First Bank charges zero joining or renewal fees for its IDFC First WOW Credit Card.
• Cash Advance Fee: IDFC First Bank charges Rs.199 + GST per cash withdrawal transaction. 
• Interest Rate: IDFC FIRST Bank charges a dynamic interest rate ranging from 8.5% p.a. to 46.2% p.a.
• Forex Mark-up Fee: The bank charges zero Forex Mark-up fee on IDFC First WOW Credit Card.

IDFC First WOW Credit Card Eligibility Criteria

Given below are the eligibility criteria to apply for IDFC First WOW Credit Card:

• An applicant should be at least 18 years of age to apply for IDFC First WOW Credit Card.
• They should be Indian residents.
  

• They should have an FD account of minimum Rs.20,000 in their name with IDFC First Bank to open the card; the FD can be topped up in increments of Rs.5,000 afterwards to raise the credit limit. 

• The upper age limit for the IDFC First WOW Credit Card is 80 years. 

How to Apply for IDFC First WOW Credit Card

The following are the steps to apply for the IDFC First WOW Credit Card:

• Register on the IDFC FIRST Bank app or website and verify your details. 

• Fund your Fixed Deposit of at least Rs.20,000 with IDFC FIRST Bank. 

• Complete your KYC. 

• Your IDFC First WOW Credit Card is issued instantly. 

Documents Required for IDFC First WOW Credit Card

You need to submit the photocopies of the following documents to apply for IDFC First WOW Credit Card:

• Aadhar Card
• Permanent Account Number (PAN) card
• Voter ID card
• Driving Licence

Summary

The IDFC First WOW Credit Card remains a lifetime-free, FD-backed option with zero joining, annual and forex mark-up fees, up to 4X reward points, and a minimum Rs.20,000 fixed deposit requirement. It suits first-time credit card users and frequent international spenders who want a secured card with no annual charges. Check the fees, eligibility and FAQs above for the latest terms before applying. 

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