IDFC FIRST WOW
IDFC FIRST WOW
IDFC FIRST Bank · Visa / RuPay · Entry card
International & forexTravel & loungesBeginnersMaximise rewards
IDFC FIRST WOW is a lifetime-free entry card from IDFC FIRST Bank on the Visa / RuPay network, with a forex markup of 0% (zero forex).
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Key facts
Annual fee
Nil (lifetime free)
Forex markup
0% (zero forex)
International lounges
None
Welcome benefit
Reward points on early spends
Lounge unlocked after
₹20,000 spend in the previous month
Highlights
- Secured card against a fixed deposit — no income proof
- Zero forex markup on international spends
- Lifetime free with reward points
Reward / value-back rates
| Online shopping | 1% |
| Dining | 1% |
| Travel | 1.5% |
| Fuel | 1% |
| Groceries | 1% |
| Bills & utilities | 1% |
| Everything else | 1% |
Indicative value-back by category. Actual earning depends on caps, milestones and exclusions — confirm on the issuer's website.
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