Top 5 reasons to apply for a FIRST WOW! Credit Card

Key Takeaways

Getting a FIRST WOW! Credit Card is easy, and so is accumulating and utilising rewards on it.
The card is available to anyone, as it is issued against a fixed deposit, and does not require a credit history.
Cardholders can enjoy zero forex charges, interest-free cash withdrawals for up to 45 days, global acceptance, and premium lifestyle benefits with the FIRST WOW! Credit Card.

04 Oct 2025 by IDFC FIRST Bank

Difference between credit card and debit card

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The FIRST WOW! Credit Card packs a punch when it comes to features and benefits

Here’s a look at the top five

Assured

No documentation, no credit score, or no income proof is required; you only need a minimum fixed deposit of ₹20,000 with IDFC FIRST Bank

Zero forex markup fee

Foreign spendings get cheaper with FIRST WOW! Credit Card as forex conversion is FREE

**Earn up to 6.25%* p.a. interest**

The FIRST WOW! Credit Card is issued against a fixed deposit with interest up to 6.25%* p.a.

4X Reward Points

Earn up to 4X reward points on every transaction** and they never expire!

Lifetime-free

There is no joining, membership, or annual fees on the FIRST WOW! Credit Card

You get an assured credit card when you apply for the FIRST WOW! Credit Card

With instant approval, your dream credit card is only a few clicks away

* Tenure between 548 days and 3 years. Interest rates are subject to change.

** Not available on fuel, insurance, EMI, and cash withdrawals

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.