Card Image
IDFC FIRST WOW
Annual Fee
FREE
Rewards/₹100 ⓘ
₹0.20 - ₹0.40
Normalized to balance base rate with bonus categories
Interest Rate
9.99%
Credit Score
650+
At a Glance
Key Benefits
Lifetime free, 9.99% APR (lowest), 2X online shopping, easy approval
Lounge Access
No lounge access
Eligibility
Students/FD backed, Age: 18-60 years, CIBIL: 650+
Quick Details
Annual Fee
FREE
#1
Joining Fee
FREE
#1
Interest Rate
9.99% p.a.
#15
Forex Markup
3.50%
#75
Rewards/₹100
₹0.20 - ₹0.40
#267
Reward Type Reward Points
Reward Currency Points
Min Credit Score
650+
#13
Min Monthly Income ₹NaN
Network MASTERCARD
Late Payment Fee ₹300
Cash Advance Fee 2.50% (min ₹200)
Reward Structure
Base
All Spends
₹0.20 /₹100
Cat
Online
₹0.40 /₹100
Reward Calculator
₹
Allocate by Category100%
Your Rewards
Points Earned260
Cash Value₹52
Breakdown
Online60
Other Spends200
Total Value₹52
Quick amounts:
Insurance Coverage
Lost Card
₹50,000
Within 7 days of reporting
Quick Analysis
The IDFC FIRST WOW is a straightforward lifetime free credit card from IDFC First Bank. While it may not offer premium perks, the zero annual fee makes it a low-risk option. Suitable for those who want a basic credit card without annual charges.
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Frequently Asked Questions
Is IDFC FIRST WOW good for students?
Yes, IDFC FIRST WOW is designed for students with easy approval and lifetime free fee.
What is the interest rate on IDFC FIRST WOW?
IDFC FIRST WOW has an industry-low APR of 9.99%.
Can I get IDFC FIRST WOW against FD?
Yes, you can get this card against a fixed deposit with IDFC First Bank.
What is the credit limit for students?
Credit limit ranges from Rs.10,000 to Rs.1 lakh based on eligibility.
Does IDFC FIRST WOW have annual fee?
No, it is completely lifetime free with no joining or annual fee.
User Reviews
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