All cards / IDFC FIRST Bank
IDFC FIRST WOW! Credit Card
An FD-secured, lifetime-free entry card for building credit — unusually, it carries a genuine 0% forex markup, rare for a secured product.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 4 complimentary lounge accesses per year
Benefits by category
- ✈️ Travel
4 complimentary lounge accesses per year
- ⛽ Fuel
1% fuel surcharge waiver
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–80
Fees & charges
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver
Benefits
- Secured by a ₹20,000 fixed deposit — no income proof needed, ideal for first-time or credit-rebuilding applicants
- 0% forex markup on international transactions
- 4 complimentary lounge accesses per year
- 1% fuel surcharge waiver
Pros
- + Zero forex markup — rare for a secured/entry card
- + No income proof required, just a ₹20,000 FD
- + Lifetime free with no annual fee
Cons
- − Requires locking a ₹20,000+ fixed deposit
- − Base reward rate is low outside the bonus category
- − Credit limit is tied to and capped by the FD amount
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