FIRST WOW! Credit Card
IDFC FIRST Bank · Secured (FD backed)
Up to 4X reward points on online, offline and international spends; 1X = 1 reward point per ₹200.
- Joining fee
- Free
- Annual fee
- Free
- Waiver spend
- –
- Forex markup
- 0%
Fee waiver
No annual fee, so nothing to waive.
Recent changes
- 9 September 2026Better for you
Forex markup cut to zero on all existing and new credit cards, and a planned stop to reward points on international spends was dropped.
- 18 June 2026Worse for you
Movie benefits need Rs 20,000 spend in the previous month, and reward points are earned only on spends up to the credit limit.
Work it out for this card
How the app counts rewards
- 1X points on utilities, insurance, railways and FASTag
- 4X points on online, offline and international spends
No rewards on fuel.
Points
Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.
Who can apply
- Age 18 to 80
Secured card against an IDFC FIRST Bank fixed deposit of at least ₹20,000; no income proof or credit history needed
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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