IDFC
IDFC FIRST WOW Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹250 Rewards
Top Benefits
Enjoy zero forex markup fees
on international spendswith Reward Points earned
Earn up to 4X Reward Points on online, offline
and international spends earning 4 Reward Points per ₹200 spent (equivalent to 1 RP = ₹0.25)
Best For
Shopping
Utility Bills
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
18-80 years
Salary
Criteria*
N/ALPA
Credit
Rating*
0+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Zero forex markup fee for international transactions
- 100% cash withdrawal facility from ATMs with 0% interest for up to 45 days
- No expiry on Reward Points, offering flexibility in redemption.
- Lifetime free with no joining or annual fees
- Secured credit card issued against a fixed deposit, making it accessible without income proof
- Exclusive discounts and deals on brands, dining, and entertainment
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward point = ₹0.25
Redemption Options
- travel & experiences
- partner offers
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet Loads
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
For Spends Waiver
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet Loads
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% Forex Markup on International Transactions | 0% |
APR Fees Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.). | 3.85% |
ATM withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days). | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 - ₹100 |
| ₹500 | ₹500 |
| ₹5000 | ₹5000 |
| ₹8000 | ₹8000 |
| ₹10,000 | ₹10,000 |
| ₹10,000 & above | ₹10,000 & above |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹250 Rewards
Top Benefits
Enjoy zero forex markup fees
on international spendswith Reward Points earned
Earn up to 4X Reward Points on online, offline
and international spends earning 4 Reward Points per ₹200 spent (equivalent to 1 RP = ₹0.25)
The smartest way to find your great credit card
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