IDFC FIRST WoW Credit Card: Apply Process

Summary

So, this card? Total lifesaver if your credit history is non-existent or, honestly, a bit tragic. You don’t need to be a high roller or have a spotless credit score. All you gotta do is slap down a fixed deposit with the bank. That’s your safety net, so they’re way more chill about giving you the card.

And guess what? No joining fee. Zero annual charges. Nada. So you’re not getting nickel-and-dimed just for owning the thing. Kinda wild, considering how most cards love to sneak in those “surprise” fees.

Now, the perks. You rack up rewards—like, up to 4X points when you buy stuff. Not those useless points that rot in your account, either. You can cash ’em in for discounts and offers that don’t suck. Plus, if you’re ever in a cash crunch, you get interest-free withdrawals for, like, a month and a half. Not that you should make a habit of it, but hey, emergencies happen.

Introduction

These days, not having a credit card? Kinda feels like you’re stuck in the Stone Age, or at least missing out on a bunch of perks. Enter the IDFC FIRST WoW Credit Card. Yeah, the name’s a little cheesy, but the card is pretty sweet—especially if you’re just dipping your toes into the world of credit or your credit score looks like a sad WiFi signal.

Here’s the kicker: it’s a secured card. You slap down a fixed deposit—think of it like a security blanket for the bank—and bam, you get a shiny new credit card even if your credit history is a blank page or your paycheck isn’t making headlines. No snobby gatekeeping here.

Why do they call it “WoW”? Well, they’re not exactly being humble. Zero annual fee, zero joining fee, rewards that don’t suck, and (wait for it) you can pull out cash and not get slammed with interest… for up to 48 days. That’s unheard of. Plus, your fixed deposit just chills there, earning interest, while you swipe the card for groceries, shopping, or whatever you’re into online. It’s like having your cake and eating it too, without anyone judging your life choices.

The other low-key awesome part? Your CIBIL score, that magical number everyone obsesses over. Normally, getting a credit card with no credit history is like trying to get into an exclusive club with sweatpants on. But here, since the bank already has your deposit, they trust you enough to report your good behavior to the credit bureaus. Use your card responsibly, pay it off, and boom—your score inches up. Suddenly, you’re eligible for all the grown-up financial stuff down the line.

What is the IDFC FIRST WoW Credit Card?

So, the IDFC FIRST WoW Credit Card? Not your typical plastic. It’s what they call a “secured” card, which means if you’ve got no credit history or your score looks like a bad test result, you’re still in the game, as long as you’ve got some cash to park in a fixed deposit. Yeah, you gotta cough up a deposit with the bank first, but hey, that’s just how it rolls.

Now, the cool part? No annual fees, no joining fees, and none of those sneaky hidden charges that pop up outta nowhere. Nada. On top of that, you get cashbacks, they’ll waive off those annoying fuel surcharges (seriously, who likes paying those?), and you can even yank out cash from ATMs without paying interest for 48 days. Forty-eight! That’s a month and a half to figure things out. Honestly, for newbies or folks trying to fix a bruised credit report, this card’s kinda a no-brainer.

How is the design of the IDFC FIRST WoW Credit Card?

IDFC FIRST WoW Credit Card—this thing looks good. I mean, you pull it out, and people notice. It’s got that matte black vibe going on, which, let’s be honest, always screams fancy. Toss it in your wallet and suddenly you feel like you’ve got your life together, even if you’re just buying coffee.

What I dig is the whole minimalist thing. No over-the-top designs or weird colors trying too hard. The fonts are clean, everything’s spaced out nicely—easy on the eyes. The chip sits right up front, doing its security thing, but all the important info’s tucked away so nobody’s peeking over your shoulder at the checkout. It’s not loud or flashy, but it looks sharp. Feels like a card for someone who knows what’s up, you know?

What are the benefits of the IDFC FIRST WoW Credit Card?

Its primary advantages are listed here:

1. Live a lifetime free from unstated costs

Since this card comes without annual fees or membership charges, anyone wanting to manage their money without additional costs will find it to be a reasonably cheap alternative.

2. Lovely reward point system

Except for gas, EMI, and cash withdrawals, cardholders accrue up to 4X reward points on every transaction. These never expire; they are usable for discounts, gifts, or cashback. 

3. Interest-free cash withdrawal ATM

Enjoy interest-free cash withdrawals for up to 45 days to provide flexibility in managing brief financial needs. 

4. Zero Forex Markup for World Travel

Regular travellers should pay $0 foreign exchange markup on this card, hence, international shopping and ATM withdrawals are more reasonable. 

5. All-Inclusive Coverage

By including purchase protection, card liability insurance of ₹25,000, and personal accident cover of ₹2 lakh, the card offers security throughout travel and transactions. 

6. Deals and Special Offers

Get up to 20% off at over 1,500 restaurants and up to 15% off at more than 3,000 wellness and health businesses throughout India. 

7. High fixed deposit interest

Linked to the card, your fixed deposit enables you to boost your savings while still using the credit card, since it provides a nice interest rate of 6.75% p.a. 

8. Easy Approach to Implementation

There is a minimum fixed deposit of ₹20,000 and a simple application process. There is no credit history or income proof needed, hence it is readily available to a wide spectrum of candidates. 

What are the fees for the IDFC FIRST WoW Credit Card?

Here is a simple breakdown of the  IIDFC FIRST WoW Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 0.75% per month (9% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IDFC FIRST WoW Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IDFC FIRST WoW Credit Card?

The documents that you will have to submit to get the IIDFC FIRST WoW Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IDFC FIRST WoW Credit Card be used?

Here is the list of places where you can use it:

• With the IIDFC FIRST WoW Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IIDFC FIRST WoW Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The  IIDFC FIRST WoW Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IDFC FIRST WoW Credit Card?

The credit amount you can spend is what you are provided with an IIDFC FIRST WoW Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IDFC FIRST WoW Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IDFC First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC FIRST WoW Credit Card.

• Just hover your cursor on the  IIDFC FIRST WoW Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IDFC First Bank branch to apply for the IDFC FIRST WoW Credit Card.

• Request the credit card application form for the  IIDFC FIRST WoW Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IIDFC FIRST WoW Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope, either through the IDFC First Bank Card website, mobile app, or customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IDFC FIRST WoW Credit Card in 2025 be right?

Getting an IIDFC FIRST WoW Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Alright, let’s be real for a sec—the IDFC FIRST WoW Credit Card? Not too shabby, especially if you’re just dipping your toes into the world of credit cards and don’t wanna get burned. The whole “secured by your fixed deposit” thing is honestly a lifesaver for newbies or folks with a shaky credit past. No need to jump through a million hoops just to get approved. And hey, zero joining or annual fees? That’s rare these days. It’s like finding a unicorn at the DMV.

Now, the rewards. Yeah, you rack up points and cashback on stuff you’re already buying—groceries, coffee, doomscrolling on online shopping apps, whatever. Plus, that 48-day interest-free cash withdrawal? If you ever get stuck in a “my rent’s due but payday’s next week” situation, that’s a solid backup. Toss in the fuel surcharge waiver (gas ain’t cheap, folks) and random discounts at restaurants and wellness joints, and you start feeling like this card’s working for you, not the other way around.

But here’s the kicker—use it smart, pay your dues, and suddenly your credit score’s looking all shiny. That matters way more than you’d think when you try to snag a loan or a swankier card down the road.

Oh, and the card looks pretty slick too. Feels like something James Bond would casually flash at a bar (minus the shaken martini). You’ve got basic insurance tossed in, plus purchase protection, so you’re not left in the lurch if something goes sideways. And your fixed deposit? Still earning interest. So yeah, your cash isn’t just sitting around gathering dust.

Frequently Asked Questions (FAQ’s)