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IDFC FIRST Bank Wow Credit Card
★★★★☆(4.7)WOW is a premium credit card offered by IDFC Bank in India. It is designed for individuals looking for a rewards-based credit card with multiple benefits and a flexible payment option. The card offers a unique reward program where users earn up to 5% cash back on purchases. Cardholders can also avail of benefits such as airport lounge access, fuel surcharge waiver, and complimentary movie tickets. With this card, users also have the option to convert purchases into easy EMIs. With 24/7 concierge services and an extensive global acceptance network, this card offers a seamless and convenient payment experience.
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
FreeAnnual Fee
FreeAnnual Percentage Rate
42%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
₹199Cash Advance Limit
NACard Replacement Fee
₹100Foreign Transaction Fee
0%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.25Late Payment Charges
15% of Total Amount Due subject to a minimum of ₹ 100 and a maximum of ₹ 1250.Pros
Aspects that make this credit card amazing.
- ⮚The card offers a 1% Fuel surcharge waiver.
- ⮚It comes with 24/7 concierge service.
- ⮚Personal Accident cover of ₹2,00,000.
- ⮚It comes with zero forex markup fee.
- ⮚Cardholders can convert purchases into easy EMIs.
Cons
Aspects this credit card lacks.
- ⮚No reward points on Fuel & Insurance Transactions.
- ⮚Gold and Jewellery linked transaction are not permitted for conversion.
- ⮚It charges high interest, from 9% to 42%.
- ⮚The card does not offer cashback on specific categories like dining or travel.
- ⮚All merchants may not accept the card, especially in remote or rural areas.
IDFC FIRST Bank Wow Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
The IDFC FIRST WOW Credit Card is designed to offer luxury and convenience to its cardholders. The card's reward program allows users to earn up to 5% cash back on all purchases and provides additional benefits such as airport lounge access, fuel surcharge waiver, and complimentary movie tickets. The card also offers easy EMI options and 24/7 concierge services that improve the financial experience. However, it's important to note that the card may not suit everyone. The card may have an annual fee or other charges that some users may find to be expensive. Additionally, the card's benefits may not be as appealing to users who do not frequently travel or prefer other types of rewards.
Overview
| Best Suited | Rewards & Online Shopping |
|---|---|
| Rewards | Up to 4X Reward points on every spend |
| Welcome Bonus | Cashback of 5% upto ₹1000 on the first EMI transaction done within 90 days of card activation |
| Annual/Joining Fee | No joining fee |
Who should get an IDFC FIRST Bank Wow Credit Card?
The IDFC FIRST WOW Credit Card is the perfect choice for individuals who want to make the most of their credit card usage, even with no credit history. This deposit-backed credit card provides an option for users who may not qualify for other types of credit cards. With up to 5% cashback on all purchases, airport lounge access, fuel surcharge waiver, and complimentary movie tickets, this card is designed to cater to users’ lifestyle needs, whether they are frequent travelers who love to dine out or enjoy watching movies. Additionally, its easy EMI option makes the payment experience effortless and convenient. So, if users are looking for a credit card that goes above and beyond, the IDFC FIRST WOW Credit Card is the answer for them!
How to Apply for an IDFC FIRST Bank Wow Credit Card?
1. Apply for an IDFC FIRST Bank Wow Credit Card Online
- Users can apply for IDFC FIRST WOW Credit Card online and offline at their convenience. If users prefer to apply offline, they can visit their nearest IDFC FIRST Bank branch with all the required documents and fill out the physical application form for the card. Users who prefer online methods can follow a few simple steps as mentioned below:
- Step 1: Visit the IDFC FIRST Bank website and navigate to the credit card section.
- Step 2: Select the IDFC FIRST WOW Credit Card from the available options
- Step 3: Fill out the online application form with personal and financial details.
- Step 4: Upload the required documents, such as identity proof and income proof.
- Step 5: Submit the application and wait for the bank's decision.
IDFC FIRST Bank Wow Credit Card Eligibility
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.