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IDFC FIRST WOW
IDFC • Visa

IDFC FIRST WOW

Guaranteed Card against FD

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFree
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,200Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

No waiver condition listed.

Net value₹3,600

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
1.0%
Online
1.0%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • IDFC FIRST WOW is best positioned as a travel specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.0% on base-aligned lanes, while broad base return remains closer to 1.0%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to travel spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Use as a focused specialist inside a multi-card setup without forcing all spend through one product.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports10
  • Approval reports6

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

IDFC FIRST Wealth

Annual fee: Free

Shared focus: Lifetime Free, TravelHigher product tier within same bank+39 more lounge visits in current dataset
View Details
Step 2

IDFC FIRST Private Credit Card

Annual fee: Free

Shared focus: Lifetime FreeHigher product tier within same bank+39 more lounge visits in current dataset
View Details
Step 3

IDFC FIRST Select

Annual fee: Free

Shared focus: Lifetime Free, Travel+39 more lounge visits in current datasetHigher top earn rate (1.5%)
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IDFC FIRST WOW using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • No Credit Score Required
  • Zero Forex Markup
  • Earn interest on FD + Rewards

Things to Consider

  • Requires Fixed Deposit
  • Basic rewards

About IDFC FIRST WOW

IDFC FIRST WOW is a points card from IDFC, best for students & new to credit. It is tagged under lifetime free, travel categories in our database.

Lifetime FreeTravel

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Frequently asked questions

Is IDFC FIRST WOW lifetime free?

IDFC FIRST WOW is lifetime free with no annual fee.

What rewards does IDFC FIRST WOW offer?

Guaranteed Card against FD

Does IDFC FIRST WOW include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider IDFC FIRST WOW?

Students & New to Credit

Where can I apply for IDFC FIRST WOW?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.