How to generate a PIN for my IDFC WOW credit card?

You can generate a PIN for your FIRST WOW credit card through NetBanking services. Log in to the official NetBanking portal or the ‘IDFC FIRST BANK’ app. Then, find the ‘Set New PIN’ button placed under the ‘Credit Card’ tab. Generate PIN, re-enter it and then enter the OTP for verification.

Is there an expiry date on the reward points on the IDFC FIRST WOW credit card?

No, there is no expiry date on the reward points you gathered using the FIRST WOW credit card. The points are valid for a lifetime.

Is there any charge applicable for cash withdrawals with the IDFC WOW credit card?

Yes, IDFC FIRST Bank charges a fee of ₹199, excluding GST, for each cash withdrawal made using the WOW Credit Card.

What is the minimum FD amount required to get the IDFC FIRST WOW credit card?

The minimum FD amount you require to get the FIRST WOW credit card is ₹2,000 for existing bank customers and ₹5,000 for new customers.

Who can apply for the FIRST WOW credit card?

Anyone can apply for the IDFC FIRST WOW credit card, whether you are a student, self-employed, a first jobber, an NRI, a homemaker or a senior citizen.

IDFC WOW Credit Card: Benefits, Rewards and Process to Apply

Name: IDFC WOW Credit Card
Brand: Credit Card
Rating: 4.6 (12226 reviews)

Would you call it a magic wand if you found a card with zero forex markup fees, zero interest on ATM cash withdrawals for up to 45 days, and zero joining or annual fees?

With the IDFC WOW credit card, you can enjoy exclusive perks like up to 4X reward points on every transaction, 6.3% p.a. interest on your FD, and a UPI transaction facility. Best of all, no credit history or income proof is required, and a credit limit equal to at least 100% of your FD value.

Check out this card, apply for it and lead the premium lifestyle you deserve.

IDFC WOW Credit Card Benefits

IDFC WOW credit card offers many benefits including discounts on online purchases, dining benefits, fuel surcharge waiver and much more. Check out complete details below:

Popular Brand Partnerships: Get awesome discounts from your favourite brands like Swiggy, Zomato, Domino’s, Eagle Boys Pizza, Belgian Waffle, Oppo, and more.
Dining Benefits: Exclusive discounts across 1500+ top-notch restaurants across India.
UPI Transactions: Get 100% cashback up to ₹200 on any UPI platform, including Paytm, PhonePe, Google Pay, and more, and ₹50 cashback on each of your first 4 UPI transactions.
Fuel Surcharge Waiver: Avail 1% fuel surcharge waiver on fuel purchases between ₹200 and ₹5,000. It applies to each statement cycle and at any fuel station across India.
Interest Rate Benefits: Enjoy low interest rates starting at 9% per annum with the IDFC WOW Credit Card.

Apply for the RuPay Select Credit Card from Stable Money, and your imagination can become reality.

You are not just getting a card. You are getting a pass that unlocks the door to numerous premium benefits, such as a 100% fuel surcharge waiver, 8 domestic airport lounge access, RuPay brand privileges, and complimentary golf sessions every year.

IDFC WOW Credit Card Reward Points

Up to 4X reward points on utility bill payments and insurance premium payments.
Up to 3X reward points on all your UPI expenses.
1 reward point for ₹150 spent on any transaction.

How to Apply for IDFC WOW Credit Card Online?

Step 1: Visit the official <a href="https://www.idfcfirstbank.com/credit-card/wow" target="_blank" rel="nofollow noopener noreferrer">IDFC FIRST Bank Portal</a> to apply for this card.
Step 2: Register and verify all necessary details.
Step 3: Choose and fund your fixed deposit (minimum ₹20,000).
Step 4: Complete your KYC with accuracy and attach every required document.
Step 5: Click on ‘Continue’ to proceed.

After bank verification, your WOW credit card by IDFC FIRST Bank is ready. The bank develops a completely paperless mode for this credit card application, so you can get a hassle-free experience.

IDFC WOW Credit Card Charges

Particulars	Charges
Annual fee	₹0
Forex markup charges	0% on international currency transactions
Cash withdrawal interest	0% applicable on all domestic and international ATMs(for up to 45 days)
Over-limit charges	Nil
Monthly finance charges	0.75% to 3.65%
Late payment charges	15% of the total outstanding amount, with a minimum payment of ₹100 and a maximum of ₹1,300
Auto debit return fee	2% of the payment amount, with a minimum fee of ₹500
EMI processing fee	1% of the transaction value, with a minimum fee of ₹99

IDFC WOW Credit Card Eligibility and Documents Required

You have to be or have:

At least 18 years of age.
An Indian citizen with a permanent address.
Minimum fixed deposit amount of ₹20,000 at the time of applying for this credit card online.

When considering KYC documents, you have to submit photocopies of the Aadhaar and PAN card as proof of identity.

How to Increase IDFC WOW Credit Card Limit?

Step 1: Visit the official <a href="https://www.idfcfirstbank.com/credit-card/wow" target="_blank" rel="nofollow noopener noreferrer">IDFC FIRST WOW</a> credit card webpage.
Step 2: Click on the ‘Increase limit’ button.
Step 3: Enter your mobile number and date of birth.
Step 4: Enter the OTP sent to your registered mobile number.
Step 5: Provide other necessary details accurately.

IDFC WOW Credit Card vs Other Cards by IDFC FIRST Bank

Check out this table below to see how IDFC WOW credit card stands out versus all the other credit cards offered by IDFC First Bank.

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	4X Reward Points
FIRST WOW! Credit Card	No	No	Yes	Yes
FIRST Classic Credit Card	Yes	No	Yes	Yes
FIRST Millennia Credit Card	Yes	No	Yes	Yes
FIRST Select Credit Card	Yes	Yes	Yes	Yes
FIRST Wealth Credit Card	Yes	Yes	Yes	Yes

Best Alternative to the IDFC WOW Credit Card in the Market in 2025

When looking for the best alternatives to the WOW Credit Card in 2025, the FD-powered Secured Credit Card by Stable Money stands out. The reasons are: