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IDFC FIRST WOW! Credit Card
62/100
IDFC FIRST Bank
Secured, lifetime free and zero forex for beginners
Credwiser Score 62/100

IDFC FIRST WOW! Credit Card

IDFC FIRST Bank • Secured, lifetime free and zero forex for beginners

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An FD backed lifetime free card for users with no credit history or income proof. Your limit is linked to your fixed deposit, which keeps earning interest, while spends earn up to 4X Reward Points with zero forex markup.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)
Fee WaiverLifetime Free forever
Joining PerkFD backed assured card with credit limit equal to 100% of the fixed deposit amount
Primary RewardUp to 4X Reward Points on domestic and international spends
Airport Lounge AccessNo complimentary airport lounge access on the standard WOW! card
Forex Markup0% + 18% GST
RuPay UPINo
Best ForStudents and first time users who need an FD backed card to build credit history

What We Like

  • Lifetime free with no joining or annual fee
  • No income proof or credit history needed, FD backed approval
  • Zero forex markup on international spends

Watch Out

  • Credit limit is limited to your fixed deposit amount
  • No complimentary airport lounge access
  • Reward rate is modest compared with unsecured cards

MITC & Hidden Charges

Lifetime free card. 18% GST applies to other charges as applicable. Annual fee ₹0, so the fee with GST is ₹0. Cash advance fee and finance charges apply as per bank terms.

IDFC FIRST WOW! Credit Card FAQs

Is IDFC FIRST WOW! a secured card?

Yes. It is backed by an IDFC FIRST Bank fixed deposit and the official page states the credit limit is 100% of the FD amount.

Does WOW! charge forex markup?

No. The official lifetime free page lists zero forex markup on international spends for WOW!.

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