IDFC FIRST WOW! Credit Card
IDFC FIRST WOW! Credit Card
Secured credit card backed by deposits
Lifetime free card
Suitable for students/those without credit history
Personalized Match by CredHunt • credhunt.com
Premium secured credit card backed by fixed deposit with no annual fee, offering attractive rewards and benefits ideal for individuals with limited credit history
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Secured credit card backed by deposits
Lifetime free card
Suitable for students/those without credit history
Low rewards structure
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
2 6E Rewards per ₹100 on all other spends
Point Value
1 Point = ₹0.10
Points Expiry
N/A
Bonus Rewards
Welcome Offer
2,500 Reward Points
Accelerated Rewards
10% back as NeuCoins on select Tata brands (includes 5% from NeuPass)
Card Benefits
Travel Benefits
N/A
2 complimentary domestic lounge access + 2 additional on spending ₹75,000 in previous quarter; 6 complimentary international lounge access per year using Priority Pass
Dining & Entertainment
7.5% Myntra discount
4 free tickets/month
Lifestyle & Protection
Departmental store offers
Basic cover
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver on transactions between ₹400-₹5,000; Extra 1% charge on transactions above ₹10,000 |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spending ₹25,000 in previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Defense ID proof
Expert Opinion
Great mid-tier premium card offering good travel benefits, flexibility to convert to lifetime free, and rewards for both primary and add-on cardholders
Customer Reviews
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Experience the premium benefits of the IDFC FIRST WOW! Credit Card today.