IDFC FIRST WoW Credit Card, Rewards and Benefits, Joining Fees Charges, Apply Online
IDFC FIRST WoW Credit Card: The IDFC FIRST WoW Credit Card presents a compelling option for individuals seeking a secured credit card backed by a Fixed Deposit, offering a plethora of features and benefits to cardholders. One of its standout features is its lifetime free status, with zero joining fees and renewal fees, making it an attractive choice for those looking for long-term savings.
Moreover, the IDFC FIRST WoW Card sets itself apart from other IDFC FIRST Credit cards by offering a unique advantage: zero foreign markup fees. This means cardholders can make international transactions without incurring any additional charges, a rare benefit in the credit card landscape.
Earning rewards with the IDFC FIRST WoW Credit Card is effortless, with 4 Reward points awarded for every other spend. These points boast a lifetime validity, allowing cardholders to accumulate and redeem them at their convenience for a variety of vouchers, deals, and rewards.
The welcome benefit of 5% cashback and the 1% fuel surcharge waiver further enhance the card’s appeal, offering immediate savings and convenience for everyday expenses.
In terms of security and coverage, the IDFC FIRST WoW Credit Card provides peace of mind with a personal accident and card liability cover of up to Rs. 2 lakh, along with complimentary roadside assistance valued at Rs. 1,399, available four times a year.
Additionally, cardholders can enjoy exclusive dining benefits and discounts at over 3000 health and wellness outlets, adding value to their lifestyle.
For added convenience, the card offers easy and flexible EMI options for transactions above Rs. 2,500, ensuring that large purchases can be managed comfortably over time.
Overall, the IDFC FIRST WoW Credit Card stands as a comprehensive and rewarding option for individuals seeking a secured credit card with a wealth of benefits and features. Now, let’s explore the captivating collaboration between HDFC Bank and Paytm, reshaping the landscape of digital banking and payments.
| Fees | Joining Fee-Nil Renewal Fee- Nil |
| Best Suited For |
Dining | Shopping |
| Reward Type | Reward Points |
| Welcome Benefits |
Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation
|
Rewards and Benefits
- Savor Exclusive Dining Discounts:- Enjoy a delectable 20% discount at over 1500 restaurants with the IDFC FIRST WoW Credit Card, ensuring every dining experience is a memorable one. Indulge in a variety of cuisines and culinary delights while enjoying significant savings.
- Generous Rewards Rate:- Maximize your rewards with every swipe, Earn 4X (4RP) Reward Points on every Rs. 150 spent, allowing you to accumulate rewards effortlessly with every transaction. Whether you’re dining out or shopping, earn rewards on all your purchases and redeem them for exciting benefits.
- Seamless Reward Redemption:- Redeem your hard-earned Reward Points with ease, Use the earned Reward Points to instantly pay for online or in-store purchases, ensuring you enjoy the benefits of your rewards whenever you desire. With 1 Reward Point equating to Rs. 0.25, unlock a world of savings and convenience with every redemption.
- Comprehensive Insurance Benefits:- Stay protected against life’s uncertainties, Benefit from personal accident coverage, card liability cover, and more, providing you with peace of mind and security in times of need. Rest assured knowing you are safeguarded against unforeseen circumstances.
- Zero Liability Protection:- Enjoy worry-free transactions, With zero liability protection, you will not be held liable for any fraudulent transactions made on your card if the loss is reported to the bank promptly. Shop with confidence knowing your finances are secure and protected.
- Experience the Ultimate Dining Experience:- Elevate your dining experiences and enjoy exclusive savings with the IDFC FIRST WoW Credit Card. Apply now and embark on a culinary journey filled with flavor, savings, and rewards.
Fees & Charges
- Spend-Based Waiver:- Enjoy the convenience of no spend-based waiver requirement, ensuring that you access all the benefits of this premium card without any additional conditions.
- Effortless Rewards Redemption:- Redeem your rewards seamlessly with a nominal fee of Rs. 99 per redemption transaction, allowing you to maximize the value of your earned rewards with ease.
- Zero Foreign Currency Markup:- Travel the world without worrying about additional fees. Benefit from nil foreign currency markup, ensuring you make the most of your international transactions without incurring extra charges.
- Flexible Interest Rates:- Enjoy flexibility in repayments with interest rates ranging from 0.75% to 3.5% per month (9% to 42% per annum), tailored to suit your financial needs and preferences.
- Fuel Surcharge Waiver:- Get relief at the pump with a 1% fuel surcharge waiver, ensuring savings on your fuel expenses, capped at Rs. 200 per statement cycle.
- Convenient Cash Advances:- Access cash whenever you need it with ease. Avail cash advances at a nominal fee of Rs. 250 per transaction, providing you with financial flexibility whenever required.
- Complimentary Add-on Card:- Share the benefits of your card with your loved ones at no additional cost. Enjoy the convenience of an add-on card, allowing your family members to experience the same level of privileges and savings.
- Experience the Signature Lifestyle:- Elevate every aspect of your lifestyle with the IDFC FIRST Signature Credit Card. Apply now and unlock a world of exclusive privileges, unparalleled savings, and unmatched convenience tailored to complement your discerning tastes and preferences.
Product Details
- Earn 4X Reward Points on every spend, allowing you to accumulate points quickly and redeem them for a variety of rewards. What’s more, these Reward Points are unlimited and never expire, providing you with endless opportunities to earn and redeem rewards.
- Say goodbye to foreign transaction markup fees with a 0% foreign transaction markup fee, enabling you to make international transactions without worrying about additional charges. Plus, enjoy a 5% cashback up to Rs. 1,000 on your first EMI transaction, adding instant savings to your purchases.
- Indulge in dining experiences with a 20% discount at over 1500 restaurants and pamper yourself with a 15% discount at over 3000 health and wellness outlets. Additionally, enjoy a 1% fuel surcharge waiver, saving you money every time you fill up your tank.
- For added peace of mind, this credit card provides insurance coverage for personal accidents and card liability, ensuring you’re protected against unforeseen circumstances. Plus, receive four complimentary roadside assistance services worth Rs. 1,399 each, providing assistance in case of emergencies on the road.
- With its array of benefits and rewards, the Lifetime Free Credit Card is a must-have for individuals looking to maximize their savings and enjoy a wealth of privileges. Now, let’s explore the exciting co-branded offering between HDFC Bank and Paytm, revolutionizing the world of digital banking and payments.
Pros/Cons
Pros:
Embrace the freedom of a lifetime free credit card, eliminating the burden of annual fees and ensuring seamless access to its benefits without any extra costs. Indulge in delightful culinary experiences while enjoying savings of up to 20% at partner restaurants with the IDFC FIRST WoW Credit Card. Whether you’re exploring new cuisines or savoring your favorite dishes, this card enhances your dining adventures with exclusive discounts and offers.
Cons:
While the IDFC FIRST WoW Credit Card excels in enhancing your dining experiences, it lacks travel benefits typically associated with other credit cards. For avid travelers seeking perks such as airport lounge access or travel insurance, this card may not fully meet their needs. However, its focus on dining savings makes it an ideal choice for food enthusiasts looking to elevate their culinary experiences.
IDFC FIRST WoW Credit Card Features and Benefits
Unveil a world of unparalleled benefits and privileges with the IDFC FIRST WoW Credit Card, meticulously crafted to enhance every aspect of your lifestyle. Let’s explore the exclusive features and advantages that make this card stand out:
Welcome Reward:
Kickstart your journey with a rewarding welcome benefit! Enjoy a generous 5% cashback, up to Rs. 1,000, on your first EMI transaction within 90 days of card activation. Whether it’s a direct EMI purchase or a transaction converted to EMI, seize this opportunity to earn instant savings.
Dining & Wellness Delights:
Savor exquisite culinary experiences and prioritize your well-being with the IDFC FIRST WoW Credit Card. Indulge in delectable delights with up to a 20% discount at over 1500 restaurants nationwide. Additionally, pamper yourself with up to a 15% discount at over 3,000 health and wellness outlets, ensuring you maintain a healthy and balanced lifestyle.
Fuel Surcharge Waiver:
Say goodbye to unnecessary expenses at the pump! Benefit from a 1% fuel surcharge waiver across all fuel stations in India, with a maximum savings of Rs. 200 per month. Enjoy hassle-free refueling experiences while maximizing your savings on fuel expenses.
Zero Foreign Exchange Markup Fee:
Embark on international adventures without worrying about additional fees! With zero foreign exchange markup fees, you can indulge in seamless transactions abroad without incurring any charges. Experience the freedom to explore the world while enjoying unparalleled convenience and savings.
Comprehensive Insurance Coverage:
Stay protected against life’s uncertainties with comprehensive insurance coverage provided by the IDFC FIRST WoW Credit Card. From medical emergencies to travel mishaps, rest assured knowing you have the support you need, when you need it the most.
Unlock a World of Possibilities:
Elevate your lifestyle and unlock a world of possibilities with the IDFC FIRST WoW Credit Card. Apply now and experience a seamless blend of luxury, convenience, and savings that redefine the way you live and spend.
| Insurance Cover | Sum Insured |
| Personal Accident | Rs. 2,00,000 |
| Card Liability Cover | Rs. 25,000 |
| Credit Shield Cover | Rs. 25,000 |
| Purchase Protection | Rs. 25,000 |
IDFC FIRST WoW Credit Card, designed to enhance every facet of your lifestyle. Delve into the exclusive features and advantages that make this card a true companion on your financial journey:
Roadside Assistance:
Experience peace of mind on the road with 4 complimentary Roadside Assistance services valued at Rs. 1,399 across India, provided by Global Assure. From vehicle towing to alternate battery assistance, tyre changes, breakdown support, taxi benefits, and fuel arrangement, enjoy comprehensive support for any roadside emergencies. Remember to familiarize yourself with the specific conditions and instructions associated with each assistance feature, available on the bank’s website.
Easy EMI Options:
Convert your transactions above Rs. 2,500 into convenient EMI plans instantly with the IDFC FIRST WoW Credit Card. Whether you’re shopping online or through the IDFC FIRST Mobile Banking App, seize the opportunity to spread your payments seamlessly. Please note that EMI options are not applicable for jewelry purchases.
Reward Points:
Earn 4X Reward Points on every spend made with the IDFC FIRST WoW Credit Card. The accumulated Reward Points never expire, offering you the flexibility to redeem them for a variety of rewards, including gift vouchers of your choice. Enjoy the freedom to use your rewards for online or in-store purchases, with a nominal redemption fee of Rs. 99 plus taxes.
Fees & Charges:
Experience the convenience of a lifetime free credit card with no joining or renewal fees. Benefit from competitive interest rates ranging from 0.75% to 3.5% per month (9% to 42% per annum) on the outstanding balance. Additionally, access cash advances with a nominal fee of Rs. 250, and enjoy zero Forex mark-up fees, making international transactions hassle-free.
Eligibility Criteria:
Ensure you meet the eligibility criteria outlined below to apply for the IDFC FIRST WoW Credit Card:
- Must be an Indian citizen
- Minimum age of 21 years
- Fulfillment of IDFC FIRST Bank’s creditworthiness requirements
- Annual income criteria as specified by the bank
Experience the unparalleled convenience and benefits of the IDFC FIRST WoW Credit Card. Apply now and embark on a journey of financial empowerment and enhanced lifestyle experiences.
| Criteria | Description |
| Age | Applicant must be 18 years or above in age to apply for the IDFC FIRST WOW! Credit Card. |
| Residency | Applicant must be an Indian resident and have a permanent residential address within India. (IDFC FIRST Bank maintains a list of cities that are allowed for sourcing) |
| Fixed Deposit | The applicant must have a fixed deposit in his/her name with the IDFC FIRST Bank.
The Fixed Deposit Amount should be at least Rs. 5,000 Fixed Deposits should be in cumulative/re-invest and auto-renewed mode. |
How to Apply for the IDFC FIRST WoW Credit Card?
Ready to elevate your financial experience with the IDFC FIRST WoW Credit Card? Here’s how you can apply:
Online Application:
Start your journey towards financial empowerment by applying for the IDFC FIRST WoW Credit Card online. Simply click the provided link to access our website and explore comprehensive details regarding features, rewards, and offers associated with the WoW Credit Card. Make an informed decision by comparing all aspects of the card. Once you’re ready, enter your details and complete the application process seamlessly. Enjoy the convenience of applying for the WoW Credit Card from the comfort of your home.
Offline Application:
Prefer a more traditional approach? You can also apply for the IDFC FIRST WoW Credit Card offline by visiting your nearest IDFC First Bank branch. Our dedicated staff will assist you throughout the application process, ensuring a smooth and hassle-free experience.
Required Documents:
To complete your WoW Credit Card application, ensure you have the following documents ready:
- Identity Proof
- Address Proof (such as Aadhar card, Voter card, or driving license)
- Fixed Deposit of at least Rs. 5,000 with IDFC Bank
IDFC FIRST WoW Credit Card Bill Payment:
Stay on top of your finances by ensuring timely payment of your IDFC FIRST WoW Credit Card bills. Choose from a variety of convenient payment methods:
- Net Banking or Debit Card Payments: Make payments using your bank account details via net banking or debit card.
- UPI Payments: Enjoy instant payment convenience by utilizing UPI-enabled banking apps or BHIM app. Simply follow the steps to initiate payments using the provided UPI ID.
- IMPS/NEFT Payments: Opt for instant payments through IMPS/NEFT using the specified Payee/Beneficiary details. Ensure accurate input of Payee Name, Account Number, Bank Name, and IFSC Code to facilitate seamless transactions.
Take charge of your financial journey with the IDFC FIRST WoW Credit Card. Apply now and experience the power of financial flexibility and convenience firsthand.
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IDFC FIRST WoW Credit Card Review
The IDFC FIRST WoW Credit Card stands out as an exceptional option for those seeking a secured credit card. Boasting a plethora of advantages such as zero joining or renewal fees, absence of foreign transaction markups, no interest on ATM withdrawals, and impressively low-interest rates, this card sets a high standard in the realm of credit offerings. These features are a rarity among credit cards, making the IDFC FIRST WoW Credit Card a standout choice.
In addition to earning interest on your fixed deposit, this card rewards you with valuable points for every transaction, with the added perk that these points never expire. You have the flexibility to redeem them at your convenience, adding to the card’s appeal. The enticing welcome benefits, fuel surcharge waivers, and dining privileges further enhance its value proposition. Moreover, the inclusion of insurance coverage and roadside assistance adds an extra layer of security and convenience.
For individuals seeking a secured card brimming with benefits and devoid of annual fees, the IDFC FIRST Credit Card emerges as the top contender. Our review highlights the numerous advantages this card offers, but we’re eager to hear your thoughts. Share your views in the comments section below and join the conversation!
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