Product Banner
Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

IDFC WOW

IDFC FIRST WOW! Credit Card is a lifetime free FD-backed credit card designed for first-time credit card users, students, self-employed individuals, freelancers, and anyone looking to build or improve their credit score. The card is issued against a Fixed Deposit and offers 0% Forex Markup, UPI payments, reward points, and airport lounge benefits. It is one of India's most popular secured credit cards.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident
Age: 18 Years & Above
Fixed Deposit with IDFC FIRST Bank is mandatory
No minimum income requirement
No prior credit history required
Students, Salaried, Self-Employed and Freelancers can apply
KYC verification required

Features & Benefits

FD-backed Credit Card with 100% Digital Application Process
Minimum Fixed Deposit: ₹10,000
Credit Limit: Up to 100% of FD Amount
0% Forex Markup Fee on international transactions
Complimentary Domestic Airport Lounge Access
Earn 4 Reward Points per ₹150 spent on eligible retail transactions
Reward Points Never Expire
RuPay Variant Available for UPI Payments
Contactless Payment Enabled
Interest-Free Period of up to 48 Days
Continue earning interest on your Fixed Deposit while using the card
No Income Proof Required
Ideal for building and improving CIBIL Score

Fees & Charges

Joining Fee: ₹0 (Lifetime Free)
Joining Fee: ₹0
Annual Fee: ₹0 (Lifetime Free)
Forex Markup Fee: 0%
Interest-Free Period: Up to 48 Days
Cash Advance Charges: As per bank policy
Late Payment Charges: As per applicable slab
Reward Redemption Fee: Nil

Documents Required

PAN Card
Aadhaar Card
Mobile Number linked with Aadhaar
Fixed Deposit Amount
Selfie / Video KYC
Active Bank Account

FAQs

View / Toggle All

A minimum Fixed Deposit of ₹10,000 is generally required to obtain the card.

Yes, there is no joining fee and no annual fee.

Credit limit can be up to 100% of the FD amount.

Yes, the RuPay version can be linked to UPI apps for Scan & Pay transactions.

No. Since it is an FD-backed credit card, income proof is generally not required.

Terms & Conditions

Credit card is issued against a Fixed Deposit maintained with IDFC FIRST Bank.
The FD remains lien-marked until card closure.
Reward Points are awarded only on eligible transactions.
Fuel, wallet loads, rent and certain merchant categories may not earn rewards.
Airport lounge access is subject to the bank's prevailing terms and conditions.
Approval is subject to successful KYC verification and bank policy.

Apply for IDFC WOW

Get instant approval with zero paperwork and exclusive partner rewards.

Apply Now
It's quick, secure and hassle-free
Share This Product
Card At A Glance
Joining Fee ₹0 (Lifetime Free)
Annual Fee Free
Rewards FD-backed Credit Card with 100% Digital Application Process
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type SECURED CREDIT CARD