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A brand-new experience - smarter, faster, and secured
Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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only on the IDFC FIRST Bank app
LIFETIME-FREE- FD-BACKED PREMIUM CREDIT CARD
- LIFETIME-FREE
- FD-BACKED PREMIUM CREDIT CARD
Goodbye forex charges.
Hello FIRST WOW!
Travel #LikeALocal with FIRST WOW! Credit Card
- Assured Card
- No Credit History Required
- Assured Card
- No Credit History Required
International Credit Card, powered by Visa Infinite
- Instant Issuance
- Fully Digital Online Application
- Instant Issuance
- Fully Digital Online Application
Earn 4X Reward Points on every travel spend
- Lounge access
- Up to 16.7% Value Back
- Lounge access
- Up to 16.7% Value Back
Add more WOW!
to your lifestyle with FIRST WOW! Black Credit Card
Spend like a local, Everywhere!
ZERO Forex Markup Fees on International Spends with Rewards on top
ZERO Interest Charges on ATM Cash Withdrawals for up to 45 days
Zero Joining & Annual Fees
Zero Currency Exchange Hassles
Instantly Increase Your Credit Limit!
Link your existing FD or book a new FD to increase your credit limit instantly through the IDFC FIRST Bank Mobile App, starting from ₹5,000. *T&C Apply
One Card, Endless Possibilities
No currency exchange hassles
No Forex conversion fee
Earn 4X Reward Points on every travel spend
FIRST WOW! Credit Card for travel
Managing payments when you’re travelling abroad should be simple and convenient. With zero forex markup charges, rewards on international spends, seamless transactions, and access to the global VISA Infinite network, the FIRST WOW! Credit Card is the ultimate travel companion, providing a secure and hassle-free experience.
Eligibility
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
No credit history or income proof required
Earn interest on your FD while you spend
Up to 4X Reward Points on every spend
FIRST WOW! Credit Card for First Jobber
As a first jobber, building credit and managing your finances smartly is crucial to attaining financial independence. The FIRST WOW! Credit Card helps you do just that, without the need for income proof or credit history.
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Eligibility
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
No credit history or income proof required
Earn interest on your FD while you spend
Up to 4X Reward Points on every spend
FIRST WOW! Credit Card for Self Employed
As a self-employed individual, staying on top of your expenses and managing your finances is essential. The FIRST WOW! Credit Card addresses this need by offering a credit limit that’s minimum 100% of your fixed deposit, among many other benefits. And the best part? No need for income proof or extensive documentation. Get started on your journey to make your financial life stress-free.
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Eligibility
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
No credit history or income proof required
Earn interest on your FD while you spend
Up to 4X Reward Points on every spend
FIRST WOW! Credit Card for Students
As a student, managing your expenses should be the least of your worries. But obtaining a credit card can be challenging. That's where the FIRST WOW! Credit Card comes in. With no income proof or credit history required, and a minimum age criterion of just 18 years, it's the perfect credit card to start your credit journey. Its features, including no Forex conversion fee, 4X Reward Points on spends, and an ATM cash withdrawal limit of 100% of the FD value, make it a must-have credit card for your future financial well-being.
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Eligibility
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
No credit history or income proof required
Assured FD backed credit card
Earn interest on your FD while you spend
FIRST WOW! Credit Card for Homemakers
Take control of your household budget with ease and reap the rewards with the FIRST WOW! Credit Card. Not only will you earn up to 4X the reward points, but you'll also enjoy an attractive interest rate on your fixed deposit. Plus, with exclusive offers and discounts at various merchants, managing your home has never been smoother. Don't miss out on this opportunity to simplify and benefit from your household spending with the FIRST WOW! Credit Card
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Eligibility
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
Assured FD backed credit card
Earn interest on your FD while you spend
100% ATM Cash withdrawal limit of your FD value
FIRST WOW! Credit Card for Senior Citizens
For senior citizens, financial security and convenience are paramount. The FIRST WOW! Credit Card offers benefits that align perfectly with these needs, without the need for any income proof or credit history.
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Eligibility
- Age Limit Criteria:18 to 80 years
- Be an Indian citizen with a permanent address in India
- Minimum FD amount of ₹20,000 required with IDFC FIRST Bank
Assured lifetime-free credit card for NRIs
Enjoy zero forex conversion fees
Accepted worldwide
FIRST WOW! Credit Card for NRIs
For Non-Resident Indians (NRIs), finding a convenient and flexible payment option is an essential part of managing their finances. A zero-forex markup fee credit card like the IDFC FIRST WOW! Credit Card is the perfect solution for NRIs who need to make payments in different currencies.
Eligibility
- Age Limit Criteria:18 to 80 years
- Have an NRE Savings Account with IDFC FIRST Bank
- NRE Fixed Deposit of min. ₹25,000 required with IDFC FIRST Bank
Earn reward points that never expire
Add More WOW! with
FIRST WOW! Black
Enhanced travel perks, lifestyle privileges, dual cards with the convenience of UPI and superior rewards designed for you
Unlock Superior Privileges with FIRST WOW! Black
FIRST WOW! Black
FIRST WOW!
Zero Forex
UPI Enabled - FIRST DIGITAL Credit Card
Lifetime-free
₹199/year + GST
Bonus 50 Reward Points on hotels and 30 Reward points on flights
-
1 RP = ₹0.50 reward value on Travel bookings through IDFC FIRST Bank Mobile App
-
Domestic Airport Lounge Access 1/quarter on 20K monthly spends
-
Joining fee
₹750 + GST
Lifetime-free
Welcome Benefits worth ₹5,000+
-
This card is perfect for you because...
Get your FIRST WOW! Credit Card instantly:
Register and verify your details
Fund your Fixed Deposit(min. ₹20,000)
Complete your KYC
Your FIRST WOW! Credit card is ready
Why Choose FD-backed Credit Card?
Spend smart while your FD works for you
Earn interest on your FD
while you spend with your FIRST WOW! credit card
Get 100% Credit Limit of your FD Value
spend confidently while your FD earns interest
Easy approval with no documents required
using your fixed deposit as security.
Build your credit score
through smart usage and timely payments.
Convenient Cash Withdrawal
up to 100% of your FD value, interest-free for up to 45 days.
Your FIRST WOW! Credit Card, now powered for
New digital card instantly issued
-
Linked to your existing credit card with shared limit
-
Joining fee of just ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
-
Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
-
Up to 3X reward points on all UPI spends
Your go-to app for managing all your Credit Card needs
Install Now
Enjoy India’s #1 Mobile Banking App
Check curated offers across merchant categories and view or redeem Reward Points for exciting offers
Instantly pay your bill through multiple options or autopay your balance easily
Control your Credit Card usage for online, contactless, international transactions or set/reset PIN for your Credit Card
View your virtual Credit Card, transaction details, e-statement, outstanding amount etc
Fees and Charges
-
Joining Fee and Annual Fee
₹0
-
Forex markup
on international transactions
0%
-
Cash withdrawal interest
Across domestic and international ATMs
0% for up to 45 days
-
Cash withdrawal fee
(Per withdrawal)
₹199 + GST
-
Annual Percentage Rate (APR)/Interest rate
(8.5% - 46.2% per annum)
8.5% - 46.2%(per annum)
For more details refer Most Important Terms & Conditions
Testimonials
I wanted to extend a huge thanks to IDFC FIRST Bank for the amazing credit card! As a student, it's truly been a lifesaver, and I genuinely appreciate the convenience and flexibility it provides. Keep up the fantastic work!
Ramendra Pandey
FIRST WOW
March 20, 2025
IDFC FIRST Bank offered a smooth, hassle-free, and assured experience, with excellent and prompt executive support. As a first-time credit card user, this was significant. Impressed by the benefits, I've recommended them to friends and family, hoping they continue this level of service.
Sanika Patkar
FIRST WOW
January 28, 2025
I am currently using my first IDFC FIRST Bank credit card, obtained without needing any income proof or other documents, and it's lifetime free. This is truly the best credit card as it offers numerous benefits, including cashback, FD interest rate, and it helps increase my CIBIL score.
Bishal Hembram
FIRST WOW
January 27, 2025
IDFC FIRST Bank card's features, along with the extraordinary ease and promptness of the process and the support from the branch executive, leave very little room for improvement.
Sanjiv Shinde
FIRST WOW
January 26, 2025
Since December 2022, I had been trying to obtain a credit card from various service providers. I want to sincerely thank IDFC FIRST Bank for providing me with a credit card so quickly. I would highly recommend the Bank to anyone seeking a credit card with excellent service.
Jatin Tailor
FIRST WOW
January 25, 2025
IDFC FIRST Bank provides exceptional services, notably its user-friendly net banking with easy balance transfers, and lower USD to INR conversion charges. As a traveler, the WOW Credit Card is ideal. I'm very satisfied and plan to invest in their stocks, given my confidence in the Bank's customer-centric approach and innovation.
S. Manikandan
FIRST WOW
January 14, 2025
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Debunk myths & find the right Student Credit Card, like the FIRST WOW! Credit Card.
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Answering all your questions
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International Helpline
How to Apply
Card Usage
FD Backed
Benefits
Credit Limit
Reward Points
Fees and Charges
NRI
How can I apply for the FIRST WOW! credit card?
Register and verify your details here. > Create your fixed deposit > Complete your KYC process > Your FIRST WOW! Credit Card is ready!
What is the eligibility criteria to apply for a FIRST WOW! Credit Card?
To be eligible for the IDFC FIRST WOW! Credit Card, you must meet the following criteria:
For Indian Residents
•Age Limit Criteria:18 to 80 years
•Be an Indian citizen with a permanent address in India
•Have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank
For NRIs
- Age Limit Criteria:18 to 80 years
Have an NRE Savings Account with IDFC FIRST Bank
Have a NRE Fixed Deposit of min. ₹25,000 with IDFC FIRST Bank
Note: The Bank reserves the right to issue a Credit Card to the applicant based on an assessment of his/her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above credit card criteria.
Do I require a credit history or income proof to apply for FIRST WOW! Credit Card?
No, you do not need a credit history or need to submit any income proof to apply for the FIRST WOW! Credit Card.
What will determine my credit limit?
The credit limit for your FIRST WOW! Credit Card will be 100% of your fixed deposit amount.
How do I generate my credit card PIN?
- Net Banking
- Pre-login
- Visit https://my.idfcfirst.bank.in/login and click on Generate Credit Card PIN on the pre-login page
- Enter your customer ID and credit card number and click on Get OTP
- Complete the verification using the OTP sent on your registered mobile number
- Enter and Re-enter a PIN of your choice and click on Confirm
- Your credit card PIN is set
- Login
- Login to your Net Banking account
- Select the Credit Card section
- Select Set new PIN
- Enter and Re-enter PIN of your choice and click on Get OTP
- Complete the verification using the OTP sent to your registered mobile number
- Your Credit Card PIN is set
- Pre-login
- Mobile Banking App
- Pre-login
- Select browse icon from the right side top menu on login page
- Enter “Customer ID” & “Credit Card number” and click on Get OTP
- Please verify through the OTP sent to your registered mobile number
- Enter and Re-enter PIN of your choice and click on confirm
- Your Credit Card PIN is set
- Login:
- Login to the Mobile Banking App
- Access the Credit Card section
- Select Set new PIN
- Enter and Re-enter a PIN of your choice and click on Get OTP
- Your Credit Card PIN is set
- Pre-login
- Customer Care:
Dial our Customer Care and follow the instructions to generate the PIN
Can I use my FIRST WOW! Credit Card to withdraw cash at an ATM?
Yes, you can! The best part is that all ATM cash withdrawals with this credit card are interest-free for up to 45 days. Do keep in mind, however, that a cash advance fee of INR 199 + taxes is applicable per transaction, irrespective of the amount you withdraw.
Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
Is there an add-on card available for the FIRST WOW! Credit Card?
Since the FIRST WOW! Credit Card is an FD-backed, the add-on card facility isn’t available. However, you can easily apply for FIRST WOW! card. It’s an assured card for everyone!
How do I contact the Bank when I’m travelling outside India?
In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152
Why am I being asked to make a Fixed Deposit?
The FIRST WOW! Credit Card is issued against a Fixed Deposit. Hence, to set your credit limit, you need to create an FD. Upon successful creation of your FD, a lien will be marked on 100% of the FD value.
Once done, your FD will be linked to your FIRST WOW! Credit Card and your credit limit will be set.
Which fixed deposits can be used for applying for the FIRST WOW! Credit Card?
Fixed deposits you can use to apply for the FIRST WOW! Credit Card:
Indian Residents: Only singly held fixed deposits will be eligible for the FIRST WOW! Credit Card.
NRI Customers: Only singly held NRE fixed deposits will be eligible for the FIRST WOW! Credit Card.
Not eligible: The Fixed Deposits opened/placed by HUFs, Partnership firms/society/trust, minors or opened jointly by applicant/s, Tax Saver or Flexi-Deposits (Auto-sweep Fixed Deposits)
What are the benefits of having a credit card against a fixed deposit?
Here are the benefits of a credit card backed by an FD:
- No income proof required: Customers can obtain a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers.
- Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.
- Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.
What are the current offers available on IDFC FIRST Bank credit cards?
IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. You can check out current offers at IDFC Firstrewards
What are the benefits of having a credit card against a fixed deposit?
Here are the benefits of a credit card backed by an FD:
- Income proof not required: Customers can get a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers among others.
- Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.
- Earn interest on fixed deposit: Cardholders continue to earn interest on their fixed deposits, while enjoying free credit for up to 45 days.
What is the forex mark-up on the FIRST WOW! Credit Card?
The FIRST WOW! Credit Card offers 0% forex mark-up. Whether you’re travelling abroador making an international transaction from India, you can spend seamlessly with zero forex charges and earn rewards on international spends.
What will be my credit limit?
You will get 100% of your FD value as your Credit Limit for FIRST WOW! Credit Card.
Can I increase my FIRST WOW! Credit Card’s limit?
Yes, you can instantly increase your FIRST WOW! Credit Card limit by linking your existing FD or booking a new FD through the IDFC FIRST Bank Mobile App. Click here to get started.
FIRST WOW! NRI customers will not be eligible for Credit Limit Increase.
What are the benefits of increasing a credit card limit?
- Improved credit score: Your credit score is calculated based on several factors including your credit utilization ratio. By increasing your credit cards’ credit limit, you can increase your available credit and improve your credit score.
- Increased purchasing power: A high credit card limit means more purchasing power. This can be especially beneficial when emergency costs arise or for making large purchases.
- Enhanced rewards: More spends on your credit card can earn you more rewards points.
Is there an expiry date on the Reward Points accrued on my card?
There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.
Are there any exclusions for earning 4X reward points?
Insurance premium payments, Utility bill payments, FASTag recharges and Railway spends will earn 1X reward points. Rewards program not applicable on Fuel, EMI transactions & Cash withdrawals.
How can I redeem the reward points that I have earned on my IDFC FIRST Bank credit card?
You can use your credit card points to pay for your online purchases or when shopping at a store. You can also redeem your credit card reward points against attractive offers at https://firstrewards.in/.
When will the reward points be credited?
The reward points will get credited upon statement generation.
If the Cardmember fails to pay at least the Minimum Amount Due by the Payment Due Date, Reward Points will not be applicable for that billing cycle.
Any Reward Points credited for that cycle, if already posted, will be reversed.
Is there a joining fee applicable on the FIRST WOW! credit card?
There is absolutely no Joining/ Membership/ Annual fee applicable on the FIRST WOW! Credit Card. The credit card is free for life.
What is the interest rate on my credit card?
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 8.5% to 46.2% per annum. Usually, other credit cards charge as high as 43.8% per annum interest rate in case you choose to carry forward part of your outstanding balances.
How do I contact the Bank when I’m travelling outside India?
In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152
What are the eligibility criteria for a NRI to apply for IDFC FIRST Bank Credit card?
Individual NRI customers having NRE Savings Account with IDFC FIRST Bank will be eligible to get IDFC FIRST Bank FIRST WOW! Credit card. If he/she holds only a NRO Savings account, they can apply for credit card post opening NRE Savings account.
NRE Fixed Deposit of minimum ₹25,000 is required with IDFC FIRST Bank
Also, NRI Card members holding IDFC FIRST Bank credit cards need to make payment against their credit card bills via auto pay through NRE Account maintained with IDFC FIRST Bank only.
Is there a Joining/Membership/Annual fee on FIRST WOW! Credit Cards?
There is absolutely no Joining/ Membership/ Annual fee applicable on any of the FIRST WOW! Credit Cards. Your card is free for life.
How can NRI customer apply for the FIRST WOW! Credit Card?
Customers with a pre-approved offer to avail of the FIRST WOW! Credit Card offer can apply through the IDFC FIRST Bank mobile app by following the steps below:
- IDFC FIRST Bank mobile app>> Credit Cards >> Secured card
What is the limit for cash withdrawal from ATMs for a FIRST WOW! Credit Card?
You can withdraw cash up to 100% of your fixed deposit value.
What is the maximum and minimum credit limit for NRI?
The credit limit of FIRST WOW! Credit Card for NRI depends on the amount you secure in your fixed deposit. FIRST WOW! Credit Card from IDFC FIRST Bank offers a credit limit equal to 100% of your FD value.
- Minimum FD value/Credit limit is 25,000.
- Maximum FD value/Credit limit is 10,00,000.
How to setup auto debit for Credit Card Payments from IDFC FIRST Bank NRE Account?
You can set up auto debit on your NRE Account by following these simple steps:
Login to Mobile/Net banking
Go to Cards section
Scroll to the Auto-pay credit card bills option
Click on Manage
Toggle on autopay, select your IDFC FIRST Bank NRE Account, and select “Total amount due”
Confirm the changes!
Can I use my credit card to withdraw cash at an ATM?
Yes, you can! And what’s great is that all ATM cash withdrawals are totally interest-free for up to 45 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only INR 199 + GST is applicable per transaction, irrespective of where you are or the amount you withdraw.
