IDFC First WOW
by IDFC FIRST Bank · Data verified 2 days ago
Lifetime free RuPay card with 5X rewards and UPI.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Completely lifetime free — zero joining and zero annual fees
- Zero forex markup on all international transactions — unmatched for global spends
- 100% guaranteed approval backed by Fixed Deposit with no income proof or CIBIL check
- FD continues to earn high interest while backing your credit limit
- Interest-free cash withdrawals from ATMs up to 45 days
- 1% fuel surcharge waiver up to ₹200 per month
Things to Consider
- Requires minimum Fixed Deposit with IDFC FIRST Bank (typically ₹2,000 to ₹10,000)
- Credit limit is restricted to your Fixed Deposit amount
- No complimentary airport lounge access
- ₹99 + GST fee per reward points redemption request
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Dining BONUS | 5 pts/₹100 | 5X RP on select categories |
| Other | 1 pts/₹100 | 1 RP per ₹100 |
Travel Insurance
₹2L cover
Fuel Savings
₹200/mo
Lost Card Cover
₹0
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •4X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •1% fuel surcharge waiver
- •Zero forex markup on international transactions
- •International usage enabled
Special Offers & Features
- •FD-backed card: no income proof required
- •₹2 Lakh Personal Accident Cover
- •Complimentary roadside assistance (up to 4 times/year)
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 12-22% p.a.
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC First WOW
IDFC First WOW: 100% Cashback up to Rs.200 on First 4 UPI Transactions
IDFC First WOW cardholders earn 5% cashback on the first 3 UPI transactions each month. Maximum cashback Rs 150/month. Lifetime free card with no annual fee.
Make UPI QR payments at any merchant.
5% cashback automatically applied on first 3 UPI transactions each month.
Cashback credited as statement credit in next billing cycle.
100% cashback up to Rs.200 total (Rs.50 per transaction on first 4 UPI transactions). Ongoing benefit at bank discretion.
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC First WOW
- • Min age: 18 years
- • Salaried: As per bank eligibility guidelines
- • Self-employed: ₹25,000/month min
- • CIBIL: 680+ recommended
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC First WOW today and unlock amazing rewards and premium experiences.
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