IDFC FIRST BankFIRST WOW
Visa
IDFC FIRST Bank · Visa
FIRST WOW
Joining ₹0 · Annual ₹0 · Lifetime free (FD-backed secured card, min FD ₹20,000)
Earns Reward Points · assumed 0.25 ₹/point. 1 RP = ₹0.25 via pay-with-points/catalogue. ₹99 + GST redemption fee. Lifetime validity ended, 24-month expiry
Verified 7 Aug 2026Forex markup0%
GolfNone
ConciergeNone
Fuel surcharge1% on ₹200 to ₹5,000 transactions, max ₹200/cycle
International loungeNone
EMI₹99 or 1% of the transaction, whichever is higher, plus GST processing fee · A converted purchase stops earning rewards · ₹99 or 1% of the purchase, whichever is larger, so a ₹50,000 conversion costs ₹500 rather than ₹99. There is also a pre EMI interest charge covering the days between converting and your next statement, and a merchant no cost offer does not waive it. Pre closing costs 3% plus GST of the principal left.
Domestic loungeNone (lounge is reserved for the paid WOW Black variant)
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.5% | Base rate |
| Amazon | 0.5% | Base rate |
| Flipkart | 0.5% | Base rate |
| Subscriptions & OTT | 0.5% | Base rate |
| Offline spend | 0.5% | Base rate |
| UPI spending | 0.38% | No stated UPI cap · Up to 3X = 0.375% via UPI, but ONLY through an add-on FIRST Digital RuPay Credit Card linked to this card at ₹199 + GST joining and ₹199 + GST annual from year two. So UPI is the one part of this otherwise lifetime-free card that costs money. IDFC markets it as 'up to 3X'. On FIRST Select and FIRST Wealth the documented split is 3X above ₹2,000 per transaction and only 1X (0.125%) at ₹2,000 or below. That boundary is NOT stated on this card's page, so treat the sub-₹2,000 1X tier as likely-but-unconfirmed here. Utilities, insurance, railway and FASTag paid via UPI stay at 1X. A limited-period offer gives 100% cashback up to ₹200 (₹50 each on the first four UPI transactions). |
| Dining | 0.5% | Base rate |
| Swiggy | 0.5% | Base rate |
| Zomato | 0.5% | Base rate |
| Groceries | 0.5% | Base rate |
| Quick commerce | 0.5% | Base rate |
| Swiggy Instamart | 0.5% | Base rate |
| Blinkit | 0.5% | Base rate |
| BigBasket | 0.5% | Base rate |
| Movies & shows | 0.5% | Base rate |
| BookMyShow | 0.5% | Base rate |
| PVR INOX | 0.5% | Base rate |
| Fuel | 0% | No reward points on fuel (surcharge waiver only) |
| Travel (general) | 0.5% | 4X base, plus 10% bonus RP on hotels / 5% on flights via the IDFC FIRST app (added Jun 2026) |
| Flights | 0.5% | Uses its travel rate |
| Hotels | 0.5% | Uses its travel rate |
| MakeMyTrip | 0.5% | Uses its travel rate |
| IRCTC rail | 0.5% | Uses its travel rate |
| International | 0.5% | Rewards capped at assigned credit limit per cycle · 4X gross with ZERO forex markup. A clean ~0.5% net return abroad, the card's headline use-case |
| Utilities & bills | 0.13% | 1X only. Insurance premiums also 1X |
| Rent | 0.5% | Earns points but the 1% + GST rent fee (min ₹249) makes it net negative |
| Education fees | 0.5% | Base rate |
| Insurance premiums | 0.5% | Base rate |
| Government & tax | 0.5% | Base rate |
| Wallet loads | 0.5% | Base rate |
| Anything else | 0.5% | Base rate |
| Jewellery | 0.5% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Reward points now EXPIRE 24 months from credit, effective 18 June 2026. They were perpetual before, and IDFC had advertised 'Reward Points that never expire' in its own January 2026 letter. Balances held as of the July 2026 cycle run to July 2028. IDFC's site footer still links 'Never Expiring Reward Credit cards', which is now false.
- Bank-wide changes this card inherits: 18 Jan 2026 earning base cut ₹150 → ₹200 per point and non-payment of the Minimum Amount Due now forfeits ALL points for that cycle. Accrual capped at the credit limit per cycle. ₹99 + GST per redemption transaction. And the fee regime, 1% on rent (min ₹249/txn, no free threshold), on education via third-party apps, and on the WHOLE cycle total once utilities pass ₹20,000, fuel ₹30,000, railway ₹25,000 or FASTag ₹10,000. There is NO wallet-load fee.
- FD-backed: credit limit = 100% of the FD (min ₹20,000). The FD keeps earning interest
- No income proof or credit history needed. Good credit-builder
- Interest-free ATM cash withdrawals up to 45 days (₹199 + GST per withdrawal)
- Visa Infinite tier benefits on a secured card
- Personal accident cover ₹2L, purchase protection ₹25,000
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 7 Aug 2026.