About IDFC FIRST WOW! Credit Card
This card is designed for users who want to enjoy the benefits of a credit card without the typical eligibility hurdles. By securing the card with a fixed deposit, IDFC FIRST provides a safe way to access credit while earning FD interest. The card’s reward program allows customers to earn up to 4X points on both online and offline purchases, making everyday spending more rewarding.
In addition to its rewards, the card offers the convenience of a flexible credit limit, which is fully backed by the fixed deposit. There is no annual fee, and users can withdraw cash up to the FD amount, providing both security and liquidity. With a user-friendly approach and a strong focus on building credit, the IDFC FIRST WOW! Credit Card is a practical choice for new cardholders seeking both benefits and financial discipline.
IDFC FIRST WOW! Credit Card – Key Features & Advantages
Reward Points Program:
- Earn 4 reward points for every Rs. 150 spent on regular purchases.
- Earn 1 reward point for every Rs. 150 spent on utility bills and insurance premiums.
- Reward points can be redeemed at a value of 1 RP = Rs. 0.25.
- Note: Reward points are not applicable on fuel and EMI transactions.
Travel & International Benefits:
- No foreign exchange markup fees on international transactions.
- Low-cost foreign currency cash withdrawals at Rs. 199, with interest-free period up to 45 days.
Fees & Credit Limit Flexibility:
- Fixed deposit earns 6.3% p.a. interest.
- Credit limit can be increased by adding an FD from Rs. 5,000.
- Cash withdrawal limit is up to 100% of the fixed deposit amount.
Insurance Protection:
- Card liability cover up to Rs. 25,000.
- Personal accident insurance up to Rs. 2 lakh.
- Purchase protection coverage of Rs. 25,000.
Digital RuPay Credit Card Option:
- Linked digital RuPay card available for existing cardholders.
- Joining and annual fee of Rs. 199.
- Earn up to 3X reward points on UPI transactions.
IDFC FIRST WOW! Credit Card – Eligibility Highlights
- Residency: Applicant must be a resident of India
- Age Criteria: Minimum age of 18 years
- Fixed Deposit Requirement: FD starting from ₹20,000
- Eligible Profiles: Open to students, frequent travellers, first‑job holders, self‑employed individuals, homemakers, and senior citizens
IDFC FIRST WOW! Credit Card Reward Points & Cashback Calculator
IDFC FIRST WOW! Credit Card: Fees & Charges
How to Apply for IDFC FIRST WOW! Credit Card
Eligible applicants can follow these steps to apply online:
Access the Website: Go to the official IDFC FIRST Bank website and locate the WOW! Credit Card page.
Start Application: Click on “Apply Now” to register and verify your personal information.
Fund Your FD: Deposit the minimum required fixed deposit of ₹20,000 online.
Complete KYC: Enter the necessary KYC details for verification.
Once your KYC is successfully verified, the credit card is issued instantly.
Should You Consider the IDFC FIRST WOW! Credit Card?
The IDFC FIRST WOW! Credit Card is ideal for individuals new to credit or those seeking a no‑cost entry-level credit option. It has no joining or annual fee and offers reward points on all spends, including usually excluded categories like utilities and insurance. Cardholders earn 4X rewards on all spends and a base rate of 1 point per ₹150.
While rewards are decent, the redemption value is low (₹0.25 per point), which may limit overall value. An additional advantage is zero forex markup fee, a feature usually reserved for premium cards.
Best suited if you:
Want a lifetime free credit card with basic perks
Need a secured card without income proof
Are building or establishing your credit score
Want to save on international transactions
Consider alternatives if you:
Prefer not to block money in a fixed deposit
Want to earn higher reward points on all categories
Have a good credit score and qualify for unsecured cards with better benefits
Desire premium travel perks, like lounge access or hotel memberships
Steps to Close IDFC FIRST WOW! Credit Card
If you want to close your IDFC FIRST WOW! Credit Card, you can easily initiate the process through the digital banking services offered by IDFC FIRST Bank.
Close via Mobile App or Net Banking
Follow these simple steps to request closure:
- Step 1: Log in to Your Account
Access your IDFC FIRST Bank mobile app or internet banking using your registered credentials. - Step 2: Go to Cards Section
Navigate to the Accounts/Cards section and select your WOW! Credit Card. - Step 3: Select Closure Option
Choose the close card or card closure option from the available settings. - Step 4: Enter Required Details
Provide the required information such as the reason for closure and complete the verification process. - Step 5: Confirm the Request
Review all details carefully and submit your request. OTP verification may be required.
Important Things to Check Before Closing
Ensure there are no pending dues on your card
Clear all EMIs and outstanding balances
Redeem all reward points or benefits before closure
Cancel any auto-debits or subscriptions linked to the card
After Submitting the Request
Avoid using the card after placing the closure request
Safely destroy the card after receiving confirmation
Check your credit report after a few weeks to ensure the status is updated as “Closed”
IDFC FIRST WOW! Credit Card Helpline Number
If you need assistance regarding your IDFC FIRST WOW! Credit Card, you can contact the customer support team of IDFC FIRST Bank. The bank provides reliable support for billing queries, transactions, card blocking, and closure requests.
Customer Care Numbers (24×7)
These helpline numbers are available round the clock for all credit card-related queries.
Email Support
You can send your queries or complaints from your registered email ID for faster resolution.
Services Available
Customer care can assist you with:
Credit card billing and transaction-related queries
Payment and statement support
Blocking your card in case of loss or fraud
Credit card closure or cancellation requests
General banking assistance
Important Note
