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IDFC FIRST WOW Credit Card

The IDFC First WOW Credit Card is a special card from IDFC Bank with many great features and benefits. It’s a secured card, meaning you need to deposit some money to get it, but there are no charges for joining or renewing the card. So, you won’t have to pay any fees for a lifetime. The card also has a fantastic feature – no additional fees for using it internationally. This is not common in other IDFC FIRST Credit cards. This card is designed to meet all your needs and desires, and it comes with attractive rewards and benefits. It’s a premium credit card that gives you all the advantages without any extra costs.

Key Highlights of IDFC FIRST WOW Credit Card

  • It is a deposit-backed premium credit card.
  • No credit score check is required.
  • No documentation is required.
  • The card is free for a lifetime.
  • It is suitable for rewards.
  • Best-in-class 100% cash withdrawal of your FD’s value while enjoying uninterrupted interest on the same.
  • Travel the world with zero Forex Mark-up fee.
  • Best-in-industry credit limit of a minimum of 100% of your FD value.
  • Low interest rates starting from 9% p.a. on carry-over balances.
  • EMI conversion facility: Through mobile on transactions above Rs. 2,500.
  • The rate of Interest (APR) applicable is 0.75% to 3.5% per month (9% to 42% per annum).
  • Earn unlimited reward points that never expire.

IDFC FIRST WOW Credit Card Fees and Charges

Joining Fee: None
Renewal Fee: None
Movie & Dining: Get a 20% discount at over 1500 restaurants with the IDFC FIRST WoW Credit Card.
Rewards Rate: Earn 4X Reward Points (4RP) for every Rs. 150 spent.
Reward Redemption: Use earned Reward Points to instantly pay for purchases online or in stores. 1 Reward Point = Rs. 0.25.
Insurance Benefits: Enjoy Personal Accident and Card Liability cover, among others.
Zero Liability Protection: If you report any fraudulent transactions promptly, you won’t be held responsible for them.

IDFC FIRST WOW Credit Card Eligibility

Age Policy: You must be 18 years or older to apply for the FIRST WOW Credit Card.
Indian Resident: You need to be an Indian resident with a permanent address in India.
Minimum Fixed Deposit Amount:
To get the FIRST WOW Credit Card, you must create and maintain a fixed deposit of:

    • Existing IDFC FIRST Bank customers – INR 2,000
    • All other customers – INR 5,000

How to apply for IDFC FIRST WOW Credit Card?

  1. Click this link: https://www.idfcfirstbank.com/credit-card/credit-card-against-fixed-deposits
  2. Click “Apply Now” on the IDFC FIRST WOW Credit Card page.
  3. Fill the online form with personal, contact, and fixed deposit details.
  4. Submit documents for identity, address, and fixed deposit verification.
  5. Double-check the form and submit it.
  6. IDFC FIRST Bank will review your application.
  7. If eligible and documents are okay, you may get approved.
  8. If approved, your IDFC FIRST WOW Credit Card will be sent to your address.

Frequently Asked Questions (FAQs) –

  1. What is the IDFC FIRST WOW Credit Card?The IDFC FIRST WOW Credit Card is a premium credit card offered by IDFC FIRST Bank. It is designed to provide an array of exclusive benefits and privileges to cardholders, making it a sought-after choice for individuals seeking a superior credit card experience.
  2. What are the key features of the IDFC FIRST WOW Credit Card?The IDFC FIRST WOW Credit Card comes with a range of features including accelerated reward points, complimentary lounge access, milestone benefits, and special discounts on dining, entertainment, and travel.
  3. How can I apply for the IDFC FIRST WOW Credit Card?You can apply for the IDFC FIRST WOW Credit Card through the official website of IDFC FIRST Bank. The application process usually involves filling out an online application form and submitting the necessary documents.
  4. What is the eligibility criteria for the IDFC FIRST WOW Credit Card?The eligibility criteria for the IDFC FIRST WOW Credit Card may include age, income, credit score, and other factors. It is advisable to check the specific eligibility requirements on the bank’s website before applying.
  5. What is the credit limit on the IDFC FIRST WOW Credit Card?The credit limit on the IDFC FIRST WOW Credit Card is determined by the bank based on your creditworthiness, income, and other relevant factors. The assigned credit limit will be communicated to you upon approval of your credit card application.
  6. Are there any annual fees associated with the IDFC FIRST WOW Credit Card?The IDFC FIRST WOW Credit Card may have an annual fee, which could be waived off based on certain spending criteria. It is recommended to review the terms and conditions or contact the bank for specific details on fees and charges.
  7. What rewards and benefits come with the IDFC FIRST WOW Credit Card?The card offers a variety of rewards, including accelerated reward points on specific categories, milestone benefits such as vouchers or discounts, complimentary lounge access at airports, and exclusive offers on dining, travel, and entertainment.
  8. How can I redeem the reward points earned on my IDFC FIRST WOW Credit Card?IDFC FIRST Bank usually provides a dedicated portal or process for redeeming reward points. You can log in to your credit card account online or contact the customer service for information on the redemption options available.
  9. What security features does the IDFC FIRST WOW Credit Card have?The IDFC FIRST WOW Credit Card is equipped with security features such as chip-and-pin technology for secure transactions, SMS alerts for every transaction, and the option to set transaction limits to enhance security.
  10. What should I do if my IDFC FIRST WOW Credit Card is lost or stolen?In case of loss or theft, it’s crucial to immediately contact the bank’s customer service to report the incident. Most banks, including IDFC FIRST, have 24/7 customer support to assist you in blocking the card and issuing a replacement.