IDFC FIRST Bank FIRST WOW!

Redemption value

• 1 Reward Point = ₹0.25.
• Instant Redemption at partner stores and online merchants at a reward redemption fee of ₹99 + GST per redemption transaction.
• Reward Points valid for 24 months from date of credit.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Reward cap

• FASTag recharges (MCC 4784) and Railway spends (MCC 4111, 4112) accrue 1X Reward Points (1 point per ₹200).
• A 1% fee applies if FASTag recharges exceed ₹10,000 in a billing cycle or Railway spends exceed ₹25,000 in a billing cycle (effective 18th January 2026).
• If Cardmember fails to pay at least Minimum Amount Due by Payment Due Date, Reward Points not applicable for that billing cycle and any posted points will be reversed.

VerifiedFIRST WOW! Credit Card Important Update (rewards program revision)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Reward exclusion

Rewards Program is not applicable on Fuel, EMI transactions & Cash withdrawals.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Lounge access

Confirm on the official page

Official source not yet captured

Travel benefit

Complimentary Roadside Assistance worth ₹1,399.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Welcome benefit

• 5% Cashback up to ₹1,000 on the transaction value of first EMI done within 30 days of card generation (applicable on direct EMI purchase or transaction converted to EMI).
• Also up to ₹200 cashback (₹50 each) on the first 4 UPI transactions.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Dining benefit

Dining discount of up to 20% across 1,500 restaurants.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Insurance

• Personal Accident Cover of ₹2,00,000.
• Lost Card Liability Cover of ₹25,000.
• Complimentary Roadside Assistance worth ₹1,399.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Statement credit

• Earn up to ₹200 cashback on the first 4 UPI transactions.
• 3X rewards on UPI spends above ₹2,000.
• 1X rewards on UPI spends below ₹2,000.
• 1X rewards on all utility and insurance payments (via UPI).

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Eligibility

• FD-backed secured credit card.
• Add-on card facility is not available (NA for add-on fees). 100% ATM cash withdrawal of FD value.

VerifiedFIRST WOW! Credit Card Important Update (rewards program revision)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Forex markup

Nil (0% Forex Markup) on foreign currency transactions and Dynamic & Static Currency Conversion.

VerifiedMost Important Terms & Conditions (MITC) - current, effective 18th June 2026 (covers FIRST WOW!)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Charge

• Cash advance transaction fee: ₹199 per transaction.
• Finance charges: Monthly 0.71%-3.85% (Annual 8.5%-46.2%).
• Overdue interest Monthly 3.99% (Annual 47.88%).
• Late payment charges: 15% of Total Amount Due of previous statement minus payments before due date, min ₹100 and max ₹1,300.
• Over-limit charges: Nil (Over-limit facility not available for FIRST WOW!).
• Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount, min ₹500.
• Reward Redemption Fee: ₹99 per redemption transaction.
• Card replacement fee: ₹199.
• Fee on cash payment at branches: NIL.
• Duplicate statement request: NIL.
• Outstation cheque processing fee: NIL.
• Cheque/Cash processing fee: NIL.
• Charge slip request: NIL.
• Foreign currency markup / DCC: Nil.
• Rent and Property Management Fee: 1% of transaction value, min ₹249 (domestic only).
• Utility fee: 1% if utility spends exceed ₹20,000 in a statement cycle.
• Fuel fee: 1% if fuel spends exceed ₹30,000.
• Passenger Railways fee: 1% if railway spends exceed ₹25,000.
• Tolls and Bridges fee: 1% if spends exceed ₹10,000.
• Education Payment Fee: 1% via third-party apps, min ₹249.
• GST at 18% on all fees, interest and charges.

VerifiedMost Important Terms & Conditions (MITC) - current, effective 18th June 2026 (covers FIRST WOW!)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000, capped at ₹200 per statement cycle.
• A 1% fee applies on total fuel spends if fuel spends exceed ₹30,000 in a statement cycle.

VerifiedFIRST WOW! Product Guide (rewards/program terms)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Interest-free period

• Interest-free (grace) period up to 45 days.
• Zero interest on ATM cash withdrawals for up to 45 days (only a withdrawal fee of ₹199 applicable).
• Not applicable if previous month's statement balance not cleared in full by due date.

VerifiedFIRST WOW! Credit Card Important Update (rewards program revision)·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank

Official terms

https://www.idfcfirst.bank.in/credit-card/wow.

VerifiedFIRST WOW! product page·30 Jul 2026, 4:25 AM IST·IDFC FIRST Bank