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REWARD POINTS CARD

FIRST WOW! Credit Card

IDFC FIRST Bank

A lifetime-free, FD-backed Visa Infinite card with 0% forex markup, up to 4 Reward Points per ₹200 spent, and ATM cash withdrawals interest-free for up to 45 days.

Needs an IDFC FIRST Bank FD of at least ₹20,000 (NRE FD ₹25,000 for NRIs). No points on fuel, EMI or cash withdrawals, and points count only on spends up to the credit limit per cycle.

FIRST WOW! Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
0% forex markup on international transactions, with Reward Points earned on international spends.
BEST FOR
Included: Applicants without credit history or income proof who can place an FD of ₹20,000 or more with IDFC FIRST Bank.
Included: May suit those who spend in foreign currency and want 0% forex markup.
Included: May suit applicants without credit history or income proof who can place an FD with the bank.
Included: May suit those who use ATMs, as cash withdrawals are interest-free for up to 45 days (₹199 + GST fee each).
Limitation: Spending mostly on fuel, EMI conversions or cash withdrawals may wish to compare other cards.
Limitation: Those wanting airport lounge access may wish to compare other cards.
Limitation: Those heavy fuel, EMI or cash-withdrawal spenders may wish to compare other cards.
Limitation: Those who carry a balance may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points are valid for 24 months from the date they are credited.
Condition: Each reward redemption carries a convenience charge of ₹99 + GST.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
80

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
0%
Finance charge
8.5% p.a.
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver at all fuel stations in India, up to ₹200/month; 1% fee applies if fuel spends exceed ₹30,000 in a statement cycle
Dining
Dining discount of up to 20% across 1,500 restaurants
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel, EMI conversions, fees/charges and GST, loan on card, balance transfer, cash withdrawals, or txns below ₹200. Insurance, utility, FASTag and railway spends earn 1 RP per ₹200.; Fuel, EMI transactions, fees and charges (with GST), loan on card, balance transfer, cash withdrawals, transactions below ₹200
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
24 months
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 0% forex markup on international transactions, with Reward Points earned on international spends.
Included: Credit limit is 100% of your FD value, and the FD keeps earning interest while you use the card.
Included: Complimentary cover: ₹25,000 card liability, ₹2 lakh personal accident and ₹25,000 purchase protection.
Included: Limit can be raised instantly by linking an existing FD or booking a new one in the mobile app, from ₹5,000; not available to NRI cardholders.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.