IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) review: fees, rewards and eligibility
The IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) has a recorded annual fee of ₹0 and a base earn of 4 Reward Points per ₹200 on online, offline and international spends. CardMasters checked its issuer terms on 2026-08-19. Affiliate commission never changes ranking; confirm final terms and approval with IDFC FIRST Bank.
IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured): short answer
The IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) is in the entry tier of IDFC FIRST Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 4 Reward Points per ₹200 on online, offline and international spends and a 0% forex markup. Rewards are not earned on fuel, emi, cash advance, fees, balance transfer. It suits lifetime free, first credit card, credit builder spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-19. Confirm final terms with the issuer.
Reward structure
4 Reward Points per ₹200 on online, offline and international spends
No separate accelerated route is currently recorded.
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. Issued against a fixed deposit with IDFC FIRST Bank rather than against declared income, so there is no published monthly income floor and no bureau-score cutoff. The credit limit is set from the deposit, and the deposit continues to earn interest. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, emi, cash advance, fees, balance transfer.
Important limit: No Reward Points are earned on fuel, EMI-converted transactions, fees and their GST, loan on card, balance transfer, cash withdrawals, or any transaction below ₹200. A fuel surcharge waiver still applies.
Frequently asked questions
What is the annual fee for the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured)?
The IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) currently has no annual fee in our record. Lifetime free.
How do rewards work on the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured)?
4 Reward Points per ₹200 on online, offline and international spends. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured)?
The current issuer-sourced exclusions recorded by CardMasters include fuel, emi, cash advance, fees, balance transfer. Merchant category coding and issuer terms determine final eligibility.
Who should consider the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured)?
It is most relevant for people focused on lifetime free, first credit card, credit builder, low forex. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) worth it?
With no recorded annual fee, the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured)?
Issued against a fixed deposit with IDFC FIRST Bank rather than against declared income, so there is no published monthly income floor and no bureau-score cutoff. The credit limit is set from the deposit, and the deposit continues to earn interest. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured)?
The recorded foreign-currency markup is 0% before GST. On ₹1,00,000 of international spend that is about ₹0 in markup, so compare it against any rewards earned on overseas transactions.
Does the IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.