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Card0/4 on file
Annual fee: issuer restricts access
IDFC First Bank · Card

FIRST WOW!

Low InterestNo Credit HistoryNo FX FeeSecuredSelf-EmployedSeniorsTravel

The FIRST WOW! is a credit card from IDFC First Bank. IDFC First Bank's site does not let us read its terms, so we leave the annual fee blank — check it on IDFC First Bank's own site. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: foreign transaction fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with IDFC First Bank: credit requirement. IDFC First Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Apply on IDFC First BankCompare this card
Opens IDFC First Bank’s site
Ledger entry

The receipt

Every cost line we hold for the FIRST WOW!, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
NoneChecked idfcfirst.bank.in
Purchase APR
8.5%–46.2%Checked idfcfirst.bank.in
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
NoneNot yet checked with IDFC First Bank
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the FIRST WOW!. That may mean there isn’t one, or simply that we have not recorded it — IDFC First Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the FIRST WOW!. Rather than print a multiplier we cannot source, this stays blank until IDFC First Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Zero Forex Markup Fees on international spends
  • Zero interest on ATM cash withdrawals for up to 45 days
  • FD-backed credit card with instant credit limit increase
  • Reward Points redeemable anywhere
  • Easy approval with no documents required using FD as security
  • Cash withdrawal up to 100% of FD value, interest-free for up to 45 days
Next step

Ready to apply for the FIRST WOW!?

You'll finish the application on IDFC First Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens IDFC First Bank’s site
Questions

Questions about the FIRST WOW!

How much is the FIRST WOW! annual fee?

We could not verify the FIRST WOW!'s annual fee, so we do not print one. Check the current annual fee on IDFC First Bank's own site before you apply.

What does the FIRST WOW! earn?

We could not verify the FIRST WOW!'s earn rates, so we do not print a multiplier. Check them on IDFC First Bank's own site.

What network is the FIRST WOW! on?

We hold no card network on record for the FIRST WOW!. The network determines where a card is accepted and which network-level benefits apply, so confirm it with IDFC First Bank before you apply.

Is the FIRST WOW! available in India?

Yes — the FIRST WOW! is issued by IDFC First Bank and is available to eligible applicants in India. Approval depends on the issuer's own credit and income criteria.

When were the FIRST WOW! figures last checked?

We checked its foreign transaction fee in September 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with IDFC First Bank: credit requirement. We could not verify, so we do not print: annual fee, earn rates and welcome offer. Check them with IDFC First Bank. Terms can change without notice, so confirm the current details with IDFC First Bank before you apply.