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. 

✔️ 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

✔️ 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

✔️ PAN Card

✔️ Aadhaar Card

✔️ Mobile Number linked with Aadhaar

✔️ Fixed Deposit Amount

✔️ Selfie / Video KYC

✔️ Active Bank Account

Q1. What is the minimum FD required for IDFC FIRST WOW! Credit Card?

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

Q2. Is IDFC FIRST WOW! Credit Card lifetime free?

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

Q3. What is the credit limit on the card?

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

Q4. Does the card support UPI payments?

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

Q5. Is income proof required?

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