IDFC FIRST WOW! Credit Card

IDFC FIRST Bank · Lifetime free

A card against a fixed deposit with zero forex markup, good for building credit.

Base rate: 0.5% as Reward Point.

What the bank says

• Lifetime free, issued against a fixed deposit
• 4X points on online, in-store and international spends
• Zero foreign currency markup
• 4 lounge visits a year

Where it pays more

• 0.13% on utility bills and insurance (1X points)

Things that catch people out

• Points are earned only on spends up to your credit limit each month.

Joining fee: ₹0. Foreign currency markup: 0%.

Read from IDFC FIRST Bank’s own page on 2026-09-16.

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