FIRST WOW! FD-Backed Assured Credit Card To unlock global access with 0% Forex Fees
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![Assured lifetime-free credit card for NRIs]()
Assured lifetime-free credit card for NRIs
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![Enjoy zero forex conversion fees]()
Enjoy zero forex conversion fees
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![Get all major international currencies in your card]()
Get all major international currencies in your card
FIRST WOW! FD-Backed Assured Credit Card To unlock global access with 0% Forex Fees
-
![Assured lifetime-free credit card for NRIs]()
Assured lifetime-free credit card for NRIs
-
![Enjoy zero forex conversion fees]()
Enjoy zero forex conversion fees
-
![Get all major international currencies in your card]()
Get all major international currencies in your card
View the WOW! benefits for
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.
The IDFC FIRST WOW! Credit Card for NRIs is fixed-deposit-backed premium credit card that does not charge any forex markup fees on international transactions. Plus, you get VISA Infinite Premium benefits including global acceptance and customer support so you can travel stress-free. Additionally, earn reward points for every transaction and redeem them for discounts and attractive offers.
*1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25 | Rewards program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance premium payments, FASTag recharge, Railway spends and Utility bill payments will earn 1x reward points.
Cash advance fee of ₹199 is applicable per transaction.
Your FIRST WOW! Credit Card, now powered for UPI
- New digital card instantly issued
- Linked to your existing credit card with shared limit
- Joining fee of ₹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
Get your FIRST WOW! Credit Card in just 3 steps!
IDFC FIRST Bank offers a completely online and paperless mode to apply for the FIRST WOW! Credit Card
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Register and verify your details
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Choose and fund your Fixed Deposit
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Complete your KYC
Eligibility
Age 18 years or above
NRE savings account with IDFC FIRST Bank
Have a fixed deposit with IDFC FIRST Bank with minimum amount of ₹25,000
Exclusive offers from your favourite brands
Avail awesome deals & discounts across the wide range of popular brands we’ve partnered with
Offer Details
Flat Rs 100 Off | Min purchase: Rs. 699 | Max discount: Rs. 100| Valid Once per month Valid on every Thursday
How to claim this offer?
- Visit Swiggy Instamart app/website
- Select items of your choice and add them to the cart
- Apply coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Card to avail discount
Offer Details
15% off up to Rs. 125 / Flat Rs. 50 off on non-Participating Restaurants | Min purchase: Rs. 499
Valid on every Saturday & Sunday
How to claim this offer?
- Visit Zomato app/website
- Select items of your choice and add them to the cart
- Apply IDFCFEAST coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
Get Flat 150 off on 700 | Once per user | Per month
How to claim this offer?
- Visit Domino’s app/Mobile website
- Select items of your choice and place your order in the cart
- Apply DOMIDFC150 coupon code on the payment page
- Click on “Make Payment”
- Pay using IDFC FIRST Bank Credit Card to avail discount
Offer Details
Cuisines: Pizza, Fast Food & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Bangalore, Hyderabad & Secunderabad.
Offer Details
Cuisines: Chinese, Thai, Asian & Beverages & Finger Food. Offer detail: 15% off on Food & Soft Beverages in M Café by Marriot *Not Valid on Buffet & Alcoholic Beverages. Locations: Bangalore.
Offer Details
Cuisines: Desserts & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Multiple locations.
Offer Details
Cuisines: Seafood, North Indian, Chinese, Mangalorean, Kerala, South Indian, Desserts & Beverages. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Mumbai.
Offer Details
Cuisines: North Indian, Continental, Seafood & Asian. Offer detail: 15% off on food bill*Not Valid on Buffet & Alcoholic Beverages. Locations: Pune.
Get 10% Cashback up to Rs 3000 Valid till 31st March 2023
Valid till 31st March 2023
How to claim this offer?
- Shop for an Oppo phone at authorized stores. Please click here to see the list of authorized stores.
- Request the staff at billing counter to apply applicable EMI offer on IDFC FIRST Bank Credit Cards
- Use IDFC FIRST Bank credit card as mode of payment to avail of the benefit
Fees and Charges
Refer to the fees and charges for the FIRST WOW! Credit Card below:
Annual membership fee: NIL
Monthly Finance charges: 0.75% to 3.65%
Cash Advance transaction fee: ₹199
Late Payment charge: 15% of the total amount due (a minimum of ₹100 and a maximum of ₹1300)
Auto debit return fee: 2% of Payment amount subject to a minimum of ₹500
Markup fee on international currency transaction: NIL
EMI Processing fee: 1% of the transaction value (a minimum of ₹99)
Image personalisation charge: ₹499
FAQs on FIRST WOW! Credit Card for NRIs
What is the FIRST WOW! Credit Card for NRIs?
The IDFC FIRST WOW! Credit Card is a fixed-deposit-backed premium assured credit card for NRI customers that offers zero forex markup fee. The card provides benefits like transactions in INR from international locations, rewards on each transaction, no forex charges, and more. Since it’s a secured card, it requires minimal documentation and has a lenient eligibility criteria.
Can NRO account holders get the FIRST WOW! Credit Card?
The FIRST WOW! Credit Card is not available to NRIs holding only an NRO account. However, if they wish to apply, they need to open a new NRE savings account, which will then be checked for eligibility before being approved.
How to set up auto debit for credit card payments from an IDFC FIRST Bank NRE account?
You can set up an auto debit instruction on your NRE Account using net banking or the mobile banking app and following these simple steps:
1. Log in to Mobile/Net banking
2. Go to the Cards section.
3. Scroll to the Auto-pay credit card bills option.
4. Click on Manage
Toggle on autopay, select your IDFC FIRST Bank NRE Account, select “Total amount due” - and then confirm the changes
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 your own FIRST WOW! card here. It’s an assured card for everyone!
How NRI’s can apply for the FIRST WOW! Credit Card?
Customers with a pre-approved FIRST WOW! Credit Card offer can apply through the IDFC FIRST Bank mobile app by following any one of the steps below:
1. Easy Banking >> Accounts & Deposits >> Secured Card
2. Easy Banking >> Credit Cards >> Secured Card
What is the maximum and minimum credit limit for NRIs?
The credit limit of the FIRST WOW! Credit Card for NRI depends on the amount you secure in your fixed deposit. The 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 unblock my credit card which has been blocked due to payment from sources other than my NRE Account?
If your FIRST WOW! Credit Card has been blocked because of payment from source other than IDFC FIRST Bank NRE Account, you need to follow these steps to unblock the card:
1. If the customer has made a payment via a valid NRE account, he/she can contact his/her Relationship Manager, or submit a proof of account type within 30 days to nriservices@idfcfirstbank.com from his/her registered email address.
2. Submit a self-declaration form to nriservices@idfcfirstbank.com and share the details of your bank account through which payment was made on your IDFC FIRST WOW! Credit Card. Please download “self-declaration form” from here.
3. Attach the Account statement/ Passbook of the bank account through which payment was initiated on your IDFC FIRST WOW! Credit Card. The attached account statement should clearly mention the “Account Type-NRE”.
The credit card will be unblocked post requisite verifications.
What are the modes of payment available to NRI card members for clearing their credit card dues?
NRIs holding IDFC FIRST Bank Credit Cards need to make a payment against their credit card bills only via auto-pay through their IDFC FIRST Bank NRE Savings Account.
