Card Details
FIRST WOW! Card
Card Issuer
IDFC FIRST Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Earn Points
4 Rp/₹200
On online, offline & international spends (1 rp = ₹0.25)
10% Bonus rp
On hotels via first rewards gallery
5% Bonus rp
On flights via first rewards gallery
Up to 3x
On upi via add-on first digital rupay card (₹199 + gst)
Benefits
0% forex markup on international transactions
- Up to 4X reward points on travel spends
- FD-backed card with no credit history or income proof required
- FD-backed secured card with minimum FD of ₹20,000 and 100% limit against FD value
- Credit limit can be up to 100% of the linked fixed deposit value
Things to Keep in Mind
Detailed reward base rates, caps, and exclusions are not visible on fetched page content.
Travel bonus points are tied to bookings via FIRST Rewards Gallery in the IDFC FIRST Bank Mobile App.
Multiple on-page claims indicate T&C apply.
Travel bonus points require bookings through the FIRST Rewards Gallery.
The UPI reward rate and cashback offer may apply only to a newly issued or digital variant, and the offer expiry date is not stated.
Lounge access shown on the page belongs to the separate FIRST WOW! Black variant and should not be assumed for the regular card.
