IDFC FIRST Bank
IDFC FIRST Bank Wow Credit Card
Data Verified
Last checked: 1 Mar 2026Best for first-time credit card users and students who want zero-fee entry into the credit world with decent rewards.
A lifetime-free beginner card offering 5X reward points on top spending categories (auto-detected), never-expiring reward points, and unique features like interest-free ATM cash withdrawal for up to 48 days.
ShoppingOnlineRewards
Annual Fee
FREE
Lifetime Free — no annual or renewal fee
Cashback
1%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"The IDFC FIRST Wow is the perfect starter card. Zero fees forever means no commitment risk. 5X on your top categories is personalized without effort. Never-expiring points is a rare IDFC perk — no pressure to redeem quickly. The interest-free ATM withdrawal (48 days) is unique and useful for emergencies. 25% off movies via Paytm is a nice lifestyle touch. Verdict: India's best free starter credit card for building credit history."
Key Privileges
Welcome BenefitWelcome voucher on first spend within 30 days
Fee WaiverLifetime Free — no annual or renewal fee
Interest Rate (APR)42%
Min. Income₹2.5 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score680
- Min. Income₹2.5 lakh per annum
- EmploymentSalaried/Self