IDFC FIRST · Visa

IDFC FIRST
IDFC FIRST WOW
Visa

Illustration. Official card art comes from the bank.

IDFC FIRST WOW

First-time users or anyone rebuilding credit, backed by a fixed deposit.

Annual feeFree
Fee waiverNot needed
Rewards paid asReward points
Lounge visitsNone
Forex markup0%
Typical income—
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Rewards

Where you spendYou get back
Everything else1%

No rewards on: fuel, rent, UPI.

How to get the most from it

  1. Open an FD of ₹5,000 or more; your limit is a share of it, and the FD keeps earning interest.
  2. Zero forex markup makes it good for international spends.
  3. Pay in full every month for 6–12 months to build a score you can upgrade on.
  4. Ask for an unsecured card once your score crosses 750.

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Details last checked recently. Banks change terms often, so confirm on IDFC FIRST's website before applying.