Home All Cards IDFC FIRST WOW Credit Card
All Benefits Travel Dining Insurance
All Benefits
Zero forex markup fee for international transactions 100% cash withdrawal facility from ATMs with 0% interest for up to 45 days No expiry on Reward Points, offering flexibility in redemption. Lifetime free with no joining or annual fees Secured credit card issued against a fixed deposit, making it accessible without income proof Exclusive discounts and deals on brands, dining, and entertainment
Fees
Joining Fee
i
Not Applicable
Free
Lifetime Free
Annual Fee
i
Not Applicable
Free
Lifetime Free
Eligibility
Salaried Self-Employed
Bank Fee Structure
Forex Markup
i
0% Forex Markup on International Transactions
0%
Finance Charges (APR)
i
Interest rates are dynamic and range from 0.71% to 3.85% per month (8.5%–46.2% p.a.).
3.85%
ATM Withdrawal
i
A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days).
₹199
Reward Redemption
i
A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway Surcharge
i
1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra.
1%
Rent Payment
i
1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque Payment
i
No cheque payment fee is charged
N/A
Late Payment Charges
Amount due Fee ₹0 - ₹100 ₹0 - ₹100 ₹500 ₹500 ₹5000 ₹5000 ₹8000 ₹8000 ₹10,000 ₹10,000 ₹10,000 & above ₹10,000 & above
Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300).
Reward Exclusions EMI Spends ATM Cash Withdrawals Jewellery Purchases Education Spends Government-related Transactions Wallet Loads Bank Charges & Fees All Reversals Gambling Transactions Toll Payments Security Broker Services Charity Railways Utility Bill Payments
Terms & Conditions
If you were/are using any IDFC Credit card, you are not eligible for the Rewards If you apply for a different card upon redirecting you will be eligible for the rewards rates applicable on the card applied Tracking Time: 72Hrs after the Application ID Generation Confirmation Timeline: Within 75 Days of Card Activation Minimum transaction of ₹100 is required within 30 days to activate the card, otherwise it will be closed VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of rewards Rewards on IDFC Bank App applications: Not Applicable Full charges and terms: Bank MITC / Terms
