IDFC FIRST WOW! Credit Card
IDFC FIRST Bank · Points/miles card · Lifetime free
Fees & benefits
| Annual fee | Nil (lifetime free) |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | insurance, railways |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 4X on online/offline/international spends | 0.5% | Uncapped | all eligible spend |
| 3X on RuPay UPI over Rs.2,000 | 0.38% | Uncapped | via upi |
| 1X on insurance/utility/FASTag/railways | 0.12% | Uncapped | utility, insurance |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Fully FD-backed secured card (no income proof), lifetime-free, zero forex markup; 4X never-expiring reward points.
RuPay UPI over Rs.2,000 earns 3X; up to Rs.2,000 earns 1X.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the IDFC FIRST WOW! Credit Card lifetime free?
Yes — the IDFC FIRST WOW! Credit Card has no annual fee.
What is the highest reward rate on the IDFC FIRST WOW! Credit Card?
0.5% — 4X on online/offline/international spends. Effective value depends on monthly caps; see the caveats on this page.
Does the IDFC FIRST WOW! Credit Card give airport lounge access?
No, the IDFC FIRST WOW! Credit Card does not include airport lounge access.
Where the IDFC FIRST WOW! Credit Card fits
Ranks in our: Credit cards for fuel spend (#5).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.