MyFinCards
FIRST WOW!

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

0
IDFC FIRST Bank
Travel
Rewards
Best For: International travelers, Students and first-time credit card users, NRIs, Those without traditional credit history

FIRST WOW!

Rewards Structure

Base Reward Rate

0.5% on spends

Point Value

1 Point = ₹0.25

Pros

  • Zero forex markup on international transactions
  • FD-backed — no traditional credit history required
  • 0% interest on cash withdrawals for 45 days
  • Accepted in 200+ countries
  • UPI-enabled with up to 3X reward points on UPI spends
  • Low interest rates starting at 9% p.a.

Cons

  • Requires a fixed deposit of minimum ₹20,000 with IDFC FIRST Bank
  • Cash advance fee of ₹199 per transaction
  • UPI card has joining and annual fee

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points not applicable on Fuel, EMI transactions, and Cash withdrawals

Insurance premium payments, FASTag recharge, Railway spends and Utility bill payments earn only 1X reward points

1 Reward Point = ₹0.25; 1X = 1 point per ₹200 spent

Key Benefits & Features

Zero Forex Markup Fee on international transactions in USD, GBP, EUR, JPY across 200+ countries

Complimentary roadside assistance including towing and flat tire help

Cash withdrawal up to 100% of FD value with 0% interest for 45 days

Up to 3X reward points on all UPI spends via linked UPI digital card

Credit limit minimum 100% of FD value; low interest rates starting at 9% p.a.

UPI digital card instantly issued, linked to existing credit card with shared limit; joining fee ₹199+GST, annual fee ₹199+GST from 2nd year

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

Aadhaar Card
PAN Card

Notable Exclusions

No reward points on Fuel transactionsNo reward points on EMI transactionsNo reward points on Cash withdrawalsInsurance premium payments, FASTag recharge, Railway spends and Utility bill payments earn only 1X reward points

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About FIRST WOW!

The IDFC FIRST Bank FIRST WOW! Credit Card is a travel-focused card designed to make international spending simple and cost-effective. Its standout feature is the zero foreign exchange conversion fee, meaning cardholders can transact internationally without paying extra charges typically associated with overseas spending. The card supports multiple major international currencies, eliminating the hassle of carrying or exchanging physical currency before travel. Beyond international use, the FIRST WOW! card rewards everyday digital spending with up to 3X reward points on all UPI transactions, making it a practical choice for domestic use as well. The card is FD-backed, meaning it is secured against a fixed deposit, which makes it accessible to those who may not have a traditional credit history, including students, first-time credit card users, and NRIs. The FIRST WOW! is a lifetime free card, carrying no joining or annual fee, which adds significant long-term value for cost-conscious users. Its combination of zero forex charges, UPI rewards, and an FD-backed structure makes it particularly well-suited for international travelers, NRIs, and individuals looking to build their credit profile while enjoying meaningful travel and spending benefits without bearing the burden of annual costs.

Expert Review

Our Verdict

FD-backed travel card with zero forex markup, global acceptance, and UPI rewards — ideal for travelers.

Frequently Asked QuestionsAbout FIRST WOW!

ELIGIBILITYWho is eligible to apply for the FIRST WOW! Credit Card?
To apply for the FIRST WOW! Credit Card, you must be 18 years of age or above, an Indian citizen with a current and permanent residential address, and have a fixed deposit with IDFC FIRST Bank with a minimum amount of ₹20,000. Unlike traditional credit cards, no prior credit history is required, making it accessible to first-time credit card users, students, homemakers, and others.
ELIGIBILITYWhat is the minimum fixed deposit amount required to get the FIRST WOW! Credit Card?
You need to open a Fixed Deposit with IDFC FIRST Bank with a minimum amount of ₹20,000 to be eligible for the FIRST WOW! Credit Card. The card is issued against this fixed deposit, which means you do not need a traditional credit history or income proof to apply. Your credit limit will be a minimum of 100% of your FD value.
FEESWhat are the joining and annual fees for the FIRST WOW! Credit Card?
The FIRST WOW! Credit Card is a lifetime free credit card with no joining fee and no annual fee. However, if you opt for the UPI-enabled digital card linked to your FIRST WOW! Credit Card, there is a joining fee of ₹199 + GST and an annual fee of ₹199 + GST from the second year onwards. The primary physical card itself remains free for life.
INTERNATIONALDoes the FIRST WOW! Credit Card charge any forex markup on international transactions?
No, the FIRST WOW! Credit Card charges zero forex markup on international transactions. This means you can spend in major currencies like USD, GBP, EUR, and JPY across 200+ countries without paying any additional currency conversion charges. This makes it an ideal travel companion for frequent international travellers who want to avoid hidden foreign exchange fees.
REWARDSHow many reward points can I earn on UPI spends with the FIRST WOW! Credit Card?
You can earn up to 3X reward points on all UPI spends made using the FIRST WOW! Credit Card's UPI-enabled digital card. The base reward rate is 1X, which means 1 reward point per ₹200 spent, and 1 reward point is valued at ₹0.25. Please note that reward points are not applicable on fuel, EMI transactions, cash withdrawals, insurance premiums, FASTag recharge, railway spends, and utility bill payments, which earn only 1X points.
FEESWhat is the interest rate on cash withdrawals using the FIRST WOW! Credit Card?
The FIRST WOW! Credit Card offers 0% interest on cash withdrawals for up to 45 days, which is a significant benefit over traditional credit cards that typically charge high interest immediately on cash advances. You can withdraw cash up to 100% of your FD value. However, a cash advance fee of ₹199 per transaction is applicable. After the 45-day interest-free period, interest charges may apply.
APPLICATIONHow do I apply for the FIRST WOW! Credit Card?
Applying for the FIRST WOW! Credit Card is a simple 3-step fully online and paperless process: Step 1 – Register and verify your details on the IDFC FIRST Bank website or app. Step 2 – Choose and fund your Fixed Deposit with a minimum of ₹20,000. Step 3 – Complete your KYC. Once these steps are done, your FIRST WOW! Credit Card is ready. No branch visits or physical document submission is required.
DOCUMENTSWhat documents are required to apply for the FIRST WOW! Credit Card?
To apply for the FIRST WOW! Credit Card, you need to provide proof of identity, which includes your Aadhaar Card and PAN Card. Since the card is issued against a fixed deposit, there is no requirement for income proof, salary slips, or ITRs. The application process is completely online and paperless, making it simple and quick for eligible applicants.
BENEFITSWhat benefits does the FIRST WOW! Credit Card offer for travellers?
The FIRST WOW! Credit Card offers several travel-friendly benefits: Zero forex markup on international transactions across 200+ countries, complimentary roadside assistance including towing and flat tire assistance, cash withdrawal up to 100% of FD value with 0% interest for 45 days, low interest rates starting at 9% p.a., credit shield protection against theft and fraud, discounts at 1,500+ restaurants and retailers, and acceptance in over 200 countries worldwide.
USAGEWhat is the UPI feature on the FIRST WOW! Credit Card and how does it work?
The FIRST WOW! Credit Card comes with a UPI-enabled digital card that is instantly issued and linked to your existing physical credit card with a shared credit limit. This allows you to make UPI payments using your credit card. It comes with a joining fee of ₹199 + GST and an annual fee of ₹199 + GST from the second year. As a limited period offer, you can get 100% cashback up to ₹200 (₹50 each on the first 4 UPI transactions) and earn up to 3X reward points on all UPI spends.
FEESWhat is the interest rate on the FIRST WOW! Credit Card?
The FIRST WOW! Credit Card offers low interest rates starting at 9% per annum, which is significantly lower than most traditional credit cards in the market. The exact interest rate applicable to your account depends on IDFC FIRST Bank's internal policy parameters and may vary based on your profile. These rates are final and binding, and subject to change at the bank's discretion as mentioned in the card's terms and conditions.
USAGECan I increase the credit limit on my FIRST WOW! Credit Card?
Yes, existing FIRST WOW! Credit Card holders can increase their credit limit through a simple 3-step online journey instantly. The credit limit is directly linked to your fixed deposit value, with a minimum credit limit of 100% of your FD value. To increase your credit limit, you can top up your fixed deposit amount with IDFC FIRST Bank. The limit increase process is available online without the need to visit a branch.
BENEFITSDoes the FIRST WOW! Credit Card help in building a credit history?
Yes, the FIRST WOW! Credit Card is an excellent tool for building or improving your credit history. Since it is issued against a fixed deposit, individuals without any prior credit history — such as students, first-time jobbers, homemakers, and self-employed individuals — can easily obtain this card. Regular and responsible usage of the card, such as making timely payments, will help establish and improve your credit score over time.
REWARDSAre reward points earned on all types of transactions with the FIRST WOW! Credit Card?
Reward points are earned on most transactions, but there are some exclusions. Fuel spends, EMI transactions, and cash withdrawals do not earn reward points. Insurance premium payments, FASTag recharge, railway spends, and utility bill payments earn only 1X reward points (1 point per ₹200 spent). All other eligible transactions earn standard reward points, and UPI spends via the linked UPI card earn up to 3X reward points. Each reward point is valued at ₹0.25.
ELIGIBILITYIs the FIRST WOW! Credit Card suitable for NRIs or senior citizens?
The FIRST WOW! Credit Card is designed for a wide range of customer profiles including travellers, self-employed individuals, students, first jobbers, homemakers, senior citizens, and NRIs. Since the card is FD-backed and requires no traditional credit history or income proof, it is accessible to senior citizens and NRIs who may not meet the income eligibility criteria of regular credit cards. Applicants must be Indian citizens with a valid residential address and an IDFC FIRST Bank Fixed Deposit.

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