IDFC First Bank First Wow Credit Card
Rewards & Benefits
Welcome Benefits
Users will get 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation.
Milestone Benefits
Cashback Rate
Users will get 4 reward points per Rs. 150 spent.
The value of 1 reward point = Rs 0.25. Cashback rate: 0.66%.
Movie Benefits
Dining Benefits
Other Benefits
Zero documentation & credit score check.; 100% credit limit of your FD amount.; Zero Forex mark up fees.; 100% cash withdrawal of FD amount.; Complimentary roadside assistance worth ₹139.; Fuel charges waiver of 1% at all the fuel stations across India, up to ₹200/month.; Personal accident cover of ₹2,00,000 and Lost card liability cover of ₹25,000.
Lounge Access
Fees & Charges
Joining Fee
0
Annual Fee
No Annual Fee (lifetime free credit card).
Cash Advance Fee
Rs 199 (plus taxes)
Interest rate
3.6% per month (52.86% per annum).
Late Payment Fee
Late Payment Fee: 15% of Total Amount Due (minimum Rs 100 & max Rs 1250).
Foreign Currency Transactions Fee
Forex Markup: 0% for all international transaction.
Other Fees
No Add-on Card Fee. | Interest free cash withdrawl for up to 48 day. | Cash advance transaction fees is Rs 199 (plus taxes) | OVL Charges: 2.5% of the over-limit amount subject to a minimum charge of Rs 500. | Reward Redemption Fee : Rs 99 (plus taxes). | EMI Fees: 1% of transaction value (minimum Rs99).
दोष
Low cashback rate.
Limited number of value add features.
Welcome Benefit: Users will get 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation.
Reward System: Users will get 4 reward points per Rs. 150 spent. The value of 1 reward point = Rs 0.25. Cashback rate: 0.66%.
Lifetime free card (No joining/annual fees).
Zero documentation & credit score check.
100% credit limit of your FD amount.
Zero Forex mark up fees.
Retail therapy all year long with 300+ merchant offers and 20% discount across 1,500+ restaurants.
100% cash withdrawal of FD amount.
Complimentary roadside assistance worth ₹139.
Fuel charges waiver of 1% at all the fuel stations across India, up to ₹200/month.
Personal accident cover of ₹2,00,000 and Lost card liability cover of ₹25,000.
Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets.
पक्ष विपक्ष
Welcome Benefits
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
पुरस्कार प्रणाली
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Eligibility Criteria
Applicant must be aged 18 yrs. or above.
Indian Resident.
Minimum FD : Rs 2000 (existing account holder) & Rs 5000 (others).
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Here are the steps on how to apply for an IDFC FIRST WOW! Credit Card:
Go to the IDFC FIRST Bank website and click on the "Credit Cards" tab.
Click on the "WOW! Credit Card" link.
Click on the "Apply Now" button.
You will need to create an account or login to your existing account.
Enter your personal and contact details.
Select the type of fixed deposit you want to create.
Fund your fixed deposit.
Complete the KYC process.
Submit your application.
The IDFC FIRST WOW! Credit Card is a secured credit card, which means that it is backed by a fixed deposit.
सम्पर्क करने का विवरण
Toll Free No: 1860 258 2000
Whatsapp banking (for registered Nos): Number to connect: 95555 55555
Email us at Banker@idfcfirstbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation.
Reward System: Users will get 4 reward points per Rs. 150 spent. The value of 1 reward point = Rs 0.25. Cashback rate: 0.66%.
Lifetime free card (No joining/annual fees).
Zero documentation & credit score check.
100% credit limit of your FD amount.
Zero Forex mark up fees.
Retail therapy all year long with 300+ merchant offers and 20% discount across 1,500+ restaurants.
100% cash withdrawal of FD amount.
Complimentary roadside assistance worth ₹139.
Fuel charges waiver of 1% at all the fuel stations across India, up to ₹200/month.
Personal accident cover of ₹2,00,000 and Lost card liability cover of ₹25,000.
Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets.
Low cashback rate.
Limited number of value add features.
IDFC First Wow Credit Card is a decent secured card. It has limited number of value add features however, most secured credit cards offer only a limited number of value add features. In its class, i.e., secured credit cards, it offers a decent number of benefits.
IDFC First Wow Credit Card is a decent secured card. It has limited number of value add features however, most secured credit cards offer only a limited number of value add features. In its class, i.e., secured credit cards, it offers a decent number of benefits.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
ईंधन अधिशुक्ल
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Billing Cycle
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.