# IDFC FIRST WOW (IDFC FIRST)

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

- Page: https://creditselect.in/cards/idfc-wow
- Annual fee: none
- Network: Visa
- Rewards paid as: Reward points
- Lounge visits: none
- Foreign currency markup: 0%
- Typical minimum income: not stated
- Details last checked: 2026-10-23

## Rewards

| Where you spend | Back | Monthly limit |
|---|---|---|
| Everything else | 1% | |

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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Source: CreditSelect (https://creditselect.in). Banks change terms often; confirm on IDFC FIRST's website before applying.