IDFC FIRST Wow Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Entry
FD backed card
Why Choose the IDFC FIRST Wow Credit Card?
The IDFC FIRST Wow Credit Card is a Entry-tier Visa credit card issued by IDFC FIRST Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Low credit users. With a reward rate of Reward points and an annual fee of NIL, it ranks among the popular Secured cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
IDFC FIRST Wow Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 2.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Wow Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Low credit users |
Key Highlights of the IDFC FIRST Wow Credit Card
- FD backed card
- Reward points
IDFC FIRST Wow Credit Card Eligibility Criteria
- Age: 18+ years
- CIBIL score: 650+
Minimum Income Required: As per bank policy
Advantages of the IDFC FIRST Wow Credit Card
- Easy approval
Drawbacks of the IDFC FIRST Wow Credit Card
- Low rewards
IDFC FIRST Wow Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Wow Credit Card?
The IDFC FIRST Wow Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the IDFC FIRST Wow Credit Card offer airport lounge access?
No, the IDFC FIRST Wow Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the IDFC FIRST Wow Credit Card?
The minimum income requirement is As per bank policy. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IDFC FIRST Wow Credit Card?
The IDFC FIRST Wow Credit Card earns Reward points. It is best suited for Low credit users.
Credit Cards Similar to the IDFC FIRST Wow Credit Card
If you are considering the IDFC FIRST Wow Credit Card, these secured credit cards are worth comparing before you apply:
- Axis Insta Easy Credit Card by Axis Bank — rated 4.3/5, NIL annual fee
- Federal Secured Credit Card by Federal Bank — rated 4.2/5, NIL annual fee
- AU Secured Credit Card by AU Small Finance Bank — rated 4.2/5, NIL annual fee
- BOB Secured Credit Card by Bank of Baroda — rated 4.2/5, NIL annual fee
Expert Rating: 4.3/5