IDFC FIRST WOW! Credit Card
IDFC FIRST Bank
Free
Joining fee
Free
Annual fee
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 600+
Estimated — not officially confirmed by the bank.
Age: 18+
Secured card requiring a minimum fixed deposit of Rs 20,000; Indian resident
Lounge access
0 domestic / 0 international visits per year
Note: Domestic and international lounge access are reserved for the WOW! Black variant, not offered on this base variant.
Reward details
4X reward points on online, offline, and international spend
Category caps
- Insurance premium payments, FASTag recharge, railway spend, utility bill payments: 1 point (reduced rate vs. base 4X)
Redemption
Ratio: 1 point = Rs 0.25
- 45-day interest-free cash withdrawals (official)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Zero-forex benefit and strong earning rates across diverse categories appeal to travelers and frequent shoppers — Paisabazaar
Complaints
- Low reward redemption value — Paisabazaar
- Lacks premium travel perks like lounge access compared to the elevated WOW! Black tier — Paisabazaar
Sources
- Official — confirmed lifetime-free/FD-backed/zero-forex positioning only; JS-rendered page did not return full detail content
- Aggregator — eligibility, rewards, sentiment