IDFC FIRST Bank

IDFC FIRST Wow

VISA

🇮🇳 India · IDFC FIRST Bank

IDFC FIRST Wow

Name: IDFC FIRST Wow
Brand: IDFC FIRST Bank
Rating: 4 (50 reviews)

Secured card backed by FD — accessible to thin-credit-file applicants.

4 / 5

Joining fee

₹0

Annual fee

₹0

Top reward

Min income

—

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5-year value calculator

How much IDFC FIRST Wow actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹6,000

Annual feeNo fee

Welcome bonus (year 1 only)+₹300

Cumulative net value

+₹30,300

over 5 years

Year 1

₹6,300

+₹6,300/yr

Year 2

₹12,300

+₹6,000/yr

Year 3

₹18,300

+₹6,000/yr

Year 4

₹24,300

+₹6,000/yr

Year 5

₹30,300

+₹6,000/yr

Year 1 (with bonus)

₹6,300

Year 2+ (steady state)

₹6,000/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else

📈

🎁

Welcome bonus

Lifetime free + 600 points on first transaction

What you get

1 reward point per ₹100 (no rate change cliff)
Lifetime free, no annual fee
4 complimentary domestic lounge visits/quarter
1% fuel surcharge waiver
Backed by FD: easy approval

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score

600+

Self-employed

Eligible

MatchYour SaaS · pays best on this card

Best SaaS to pay with the IDFC FIRST Wow

The SaaS subscriptions where IDFC FIRST Wow earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹4,25,723/yr.

Top match

Big forex win