IDFC FIRST WOW Credit Card
How to get this & earn coins
1 Complete the offer
2 Claim & redeem your coins
- Complete the goal above to earn 🪙 500 coins.
- Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
- We verify it manually and credit the coins to your account.
- Redeem your coins for free games, skins or game credits once you reach 2,000 coins.
About this offer
The IDFC FIRST WOW! Credit Card is a fixed-deposit-backed credit card that’s perfect for building or improving your credit score — no income proof, no credit history and no documentation required. Your FD keeps earning interest while it backs your card, and you still enjoy rewards, dining discounts and travel perks.
Key benefits
- Zero documentation — no credit history or income proof required
- Helps build and improve your credit score
- Zero joining and annual fees
- 4X reward points on every spend
- Backed by a fixed deposit that earns 7.25% p.a. interest
- Zero forex markup — travel without extra charges
- Low interest rates starting at 9% p.a.
- 20% discount at 1,500+ restaurants, complimentary roadside assistance and easy EMIs on spends above ₹2,500
Frequently asked questions
How do I apply?
Tap “Apply Now” and complete the application on IDFC FIRST Bank’s page.
What is the minimum age?
You must be at least 18 years old.
What is the minimum fixed deposit required?
A minimum FD of ₹5,000 (₹2,000 for existing IDFC FIRST Bank customers) backs the card.
How long does the process take?
After you submit your application, the bank typically updates the status within 7 to 14 days.
Fees & charges: Joining fee — NIL; annual fee — NIL. This is a secured card backed by a fixed deposit (minimum ₹5,000, or ₹2,000 for existing customers). Card issuance, credit limit, benefits and eligibility are decided solely by IDFC FIRST Bank as per their prevailing terms.
Terms that matter
- Applicable only for new users.
- Use the same mobile number throughout the process, from the lead page onwards.
- Apply using the same tracking link; if you exit midway, resume with the same link or the lead may be rejected.
- Your mobile number must be linked to your Aadhaar.
- A fixed deposit is required to back the card (minimum ₹5,000, or ₹2,000 for existing IDFC FIRST Bank customers).
- Complete the application on your own device.
- Documents: Aadhaar card and PAN card.
- Card issuance, credit limit, benefits and fees are at the sole discretion of IDFC FIRST Bank as per their prevailing terms.
Earn 500 reward points
Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.