IDFC FIRST Bank
IDFC FIRST Bank Wow Credit Card
visapremiumcreditstudentsshoppingonline
Annual Fee
FREE
Base Reward
0.67% cashback
Foreign Markup
0%
4.7/5
Welcome Benefits
5% Cashback on the first EMI transaction within 90 days of card activation.
Product Highlights
- 4x Reward Points on every ₹150 spent
- 24/7 Concierge Services
Category Rewards
shopping
5% CashBack
5%
dining
20% discount at restaurants
20%
Rewards Details
Earn up to 5% cash back on all purchases. 20% discount at over 1500 restaurants. Up to 15% discount at over 3000 Health & Wellness outlets.
Redemption
1 Reward Point = ₹0.25.
Benefits & Features
Airport lounge access.
Pros & Cons
Pros
- 1% Fuel surcharge waiver
- 24/7 concierge service
- Personal Accident cover of ₹2,00,000
- Zero forex markup fee
- Easy EMI conversion for purchases above ₹2,500
Cons
- No reward points on Fuel & Insurance Transactions
- Gold and Jewellery linked transactions are not permitted for conversion
- High interest rate from 9% to 42%
- No cashback on specific categories like dining or travel
- Limited acceptance in remote areas
Additional Info
Excluded Categories
fuelinsurance
Partner Merchants
Over 1500 restaurantsOver 3000 Health & Wellness outlets
Fees & Charges
Annual FeeFREE
Joining FeeFree
Foreign Markup0%
Interest Rate42%
Cash Advance₹199
Eligibility
Min Age
21 yrs
Networks
visa