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Credit Cards · India

IDFC FIRST WOW! Credit Card

Updated 5 Jul 2026Source-linked

The IDFC FIRST WOW! Credit Card is a entry credit card from IDFC FIRST Bank, with a joining fee of ₹0 + GST.

It earns up to 4 pts per ₹150 (≈0.7% value) on travel spend spends in the form of reward points (points).

Cardholders get 1 quarterly domestic airport lounge access, plus welcome benefits worth ₹5,000+ as a welcome benefit.

IDFC FIRST Bank logo
IDFC FIRST WOW! Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 4 pts per ₹150 on travel spend
  • Base 0.67% on other spends
Welcome Benefits
  • Welcome benefits worth ₹5,000+
Data verified 5 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTVisa logoplatinumentryLifetime free
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Rewards and Benefits

Rewards Rate
4 pts per ₹150 on travel spend
Base 0.67% on other spends.
Reward Redemption
IDFC FIRST Rewards: Up to ₹0.50 per reward point on travel bookings via the IDFC FIRST Bank app.
Welcome Benefits
Welcome benefits worth ₹5,000+
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly on making spends of ₹20,000 in the previous monthly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Travel & hotels₹67/mo

    You spend ₹10,000 · earns 0.7% = ₹67 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.7% = ₹100/mo
  • Groceries₹8,000 · 0.7% = ₹53/mo
  • Dining & food delivery₹8,000 · 0.7% = ₹53/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Utilities & bills₹5,000 · 0.7% = ₹33/mo
Est.net rewards for this spend, realistic
₹3,680/yr

₹3,680 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by IDFC FIRST Bank.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (1/quarterly).

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Low forex markup of 0.00% — suited to international spends.
  • Complimentary domestic airport lounge access (1/quarterly).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • Welcome benefits worth ₹5,000+
    On card activation / early spends
    Window: 90 days from issuance.

Accelerated rewards

  • 4 pts per ₹150 on travel spend
    4X reward points on travel spends (base 4X on all spends). Bonus 10% RP on hotels / 5% on flights via IDFC FIRST app (up to 16.7% / 10%). 1 RP = ₹0.50 on travel redemptions via app.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Airport lounge access

Domestic
1 visit(s) / quarterly. Via visa, dreamfolks.
Unlocks after ₹20,000 / monthly spend.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
—
Income (salaried)
—
Income (self-employed)
—

FD-backed — issued against a fixed deposit (min ₹20,000); no income/credit-score requirement.

Tagsentrysecuredpointszero forextravel