IDFC FIRST Wow credit card

IDFC FIRST Wow

5.0

IDFC FIRST Bank · Visa

IDFC FIRST Wow is a zero-fee entry card perfect for students and first-time cardholders with low income requirements.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹0.25/pt

Min CIBIL

600

₹1L+ income

Key Features

Secured credit card — get a credit card against your Fixed Deposit
No income proof or credit score required to apply
6X reward points on online spends
3X on offline spends
10X on birthday
Credit limit equal to your FD amount (up to 100%)
Never-expiring reward points
Build or rebuild your credit score safely

Welcome Benefits

✓

Instant Approval Against FD

Get approved immediately — no income proof, no credit history check. Just place a Fixed Deposit with IDFC FIRST Bank

✓

Welcome Reward Points on First Spend

Earn bonus reward points on your first transaction within 90 days

Reward Rates by Category

Dining

1X

Travel

1X

Online

2X

Shopping

1X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
All Online MerchantsOnline6X
Offline MerchantsOffline3X
BirthdayAll10X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

FD Protection

Your Fixed Deposit is the collateral — FD interest keeps earning even while used as security

FD amount secured

Zero Liability

Report loss promptly

100% fraudulent charges

Pros

  • ZERO annual fee
  • Low income requirement Rs 1L
  • No minimum CIBIL needed
  • 2X on online spends
  • Fuel surcharge waiver

Cons

  • No lounge access
  • Very low reward rate
  • Basic card for beginners

Redemption Options

Statement credit

Standard₹0.25/pt

Frequently Asked Questions

What is a secured credit card?+
A secured card is issued against a Fixed Deposit. You place an FD with IDFC FIRST Bank and get a credit card with limit equal to your FD — no income proof or credit score needed.
Who should get the WOW card?+
Anyone with no credit history, poor credit score, or those new to India's credit system. It's the easiest path to building a credit score.
Do I earn interest on the FD?+
Yes — your FD continues earning interest even while serving as collateral for the credit card.
Earn rate?+
6X on online, 3X offline, 10X on birthday — same as other IDFC FIRST cards.
When can I upgrade to a regular card?+
After 12–18 months of responsible usage, IDFC FIRST may offer an upgrade to a regular unsecured credit card.

Ready to apply?

Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.

User Reviews(1)

5.0
1 review
5
100%
4
0%
3
0%
2
0%
1
0%
✍️

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A
Anonymous
24 May 2026

Ok ok card

this card is very ok & not great but you get it easily even with 25k salary

What I liked
  • ✓Easily got the card
What could be better
  • ✕No rewards

IDFC FIRST Wow

Free · 1X rewards