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IDFC FIRST Bank
IDFC FIRST WOW! Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- ✈️ Travel
Complimentary domestic airport lounge access
- 🛍️ Shopping
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–65
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
- Complimentary domestic airport lounge access
- 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