IDFC First Bank · Credit Card

IDFC First Bank First Wow Credit Card

Official product: FIRST WOW! Credit Card

Rewards

Simple, beginner-friendly rewards card
Accelerated reward points on popular spend categories

Opens the partner’s official application pageDownload product PDF

Fees, rewards and eligibility shown below are decided solely by IDFC First Bank and can change without notice — always confirm current terms on the official page before applying.

Fees & Charges

Joining Fee: ₹0
Annual / Renewal Fee: ₹0
Annual Fee Waiver Condition: Not required — lifetime free
Interest Rate / Finance Charge: As per IDFC FIRST Bank card variant schedule in current MITC; variant-specific rate applies.
Late Payment Charges: As per IDFC FIRST Bank current MITC / schedule of charges.
Forex Markup Fee: Not disclosed by issuer — check official card page

Eligibility & Documents

Minimum Income / Eligibility: Not disclosed by issuer — check official card page
Age Eligibility: Product-specific; bank underwriting applies.
Employment Type: Salaried / self-employed; secured variants may rely on FD rather than income underwriting.
Documents Required: KYC/PAN and income or FD-related documents as applicable to variant.

Official Sources & Verification

Official card page →Official MITC / Schedule of Charges →

Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked

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Frequently asked questions

What are the joining and annual fees for the IDFC First Bank First Wow credit card? ▾

Joining fee: ₹0. Annual fee: ₹0. Fee waiver: Not required — lifetime free.

Who is eligible for the IDFC First Bank First Wow credit card? ▾

Product-specific; bank underwriting applies. Salaried / self-employed; secured variants may rely on FD rather than income underwriting.