IDFC FIRST WOW Credit Card

Apply for the best credit card of Idfc First Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
IDFC FIRST WOW Credit Card
  • Best suitable for: Dining
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Idfc First Wow Credit Card

IDFC FIRST WOW Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:3.65% per month (43.8% annually)
Spend Based Waiver:Lifetime Free
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 550/-
Rent Payment charges1% of transaction value, subject to minimum of 249 per transaction
Forex Charges:FREE
Minimum Repayment Amount:5% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:2% of the payment amount subject to min of Rs. 500
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 100NIL
Above 100/- and up to 500/-100
Above 5,00/- and up to 5,000/-750
Above 5,000/- and up to 8,000/-1200
Above 8,000/- and up to 10,000/-1300
Above 10,000/-1300

IDFC FIRST WOW Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 18 years old.
Fixed Deposit Requirement: The minimum FD amount 20,000 INR required.
No credit history or income proof is required to apply for this card, making it accessible to individuals such as students, homemakers, and freelancers.
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

IDFC FIRST WOW Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 199/- Per transaction
Cash Advance Withdrwan Limit: Upto 100% of the card limit
Cash Payment at Bank Branch: NIL

IDFC FIRST WOW Credit Card: Customer care and helpline

Customer care : 180010888
Email Address : banker@idfcfirstbank.com
Mailing Address: The Square,C-61, G Block, Ground Floor To 8th Floor Bandra Kurla Complex, Bandra East, Mumbai - 400051

Add-on Card facility: NIL

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: 99 per redemption transaction

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 200 to 5,000 and Maximum of 200 per month.

FAQ of IDFC FIRST WOW Credit Card

Q1. What is the annual fee of IDFC FIRST WOW Credit Card?
The IDFC FIRST WOW Credit Card offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the IDFC FIRST WOW Credit Card?
The IDFC FIRST WOW Credit Card has an interest rate of 3.65% per month (43.8% annually)

Q3. Are there foreign transaction fees on the IDFC FIRST WOW Credit Card?
Yes, The IDFC FIRST WOW Credit Card charges a zero fee for all transactions in foreign currency .

Q4. What is the credit limit of IDFC FIRST WOW Credit Card?
The credit limit for the IDFC FIRST WOW Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Idfc First Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Idfc First Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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