IDFC FIRST Bank FIRST WOW! Credit Card

IDFC FIRST Bank · Open to apply

A lifetime-free Visa Infinite card issued against an IDFC FIRST fixed deposit of ₹20,000 or more, with no income proof. Zero forex markup, 4 points per ₹200 (1% at ₹0.25 a point) on most spends at home and abroad, 1 per ₹200 on bills, and a small bonus on travel booked in the bank's app.

Annual fee
Lifetime free
Joining fee
None
Base rate
Online, offline and international spends, 4X (4 points per ₹200): 4 IDFC FIRST Bank reward points per ₹200 (about 0.5% at cash value)
Lounges
None on record
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 10% bonus points (10 points per ₹100): 10 IDFC FIRST Bank reward points per ₹100 on top of the base rate (about 2.5% at cash value)
  • Flights booked in the IDFC FIRST app, 5% bonus points (5 points per ₹100): 5 IDFC FIRST Bank reward points per ₹100 on top of the base rate (about 1.25% at cash value)

Earns nothing on

  • No points on fuel, EMI, cash withdrawals, loans on card and balance transfers

Where the sources disagree

  • Expiry month of the existing points balance: The May 2026 letter says the balance as of the July 2026 statement cycle stays valid until July 2028. The MITC says the balance as on the June 2026 cycle is valid up to the June 2028 cycle. Not resolved.

Terms the calculator does not value

  • No points for a billing cycle in which at least the minimum amount due is not paid by the due date; points already posted are reversed (from 18 January 2026).
  • Points are earned only on spends up to the credit limit (the FD amount) in a billing cycle, including spend re-enabled by repayments (from 18 June 2026). The calculator applies no limit.
  • UPI earns 1X up to ₹2,000 a payment and 3X above. The calculator applies the rule the spend line's typical payment reaches, which understates a reader whose UPI payments are mostly large.
  • The FIRST Digital RuPay card has a limited-period offer of ₹50 cashback on each of the first 4 UPI transactions (₹200 in all), with no dates given.
  • The fixed deposit keeps earning interest while it secures the card; the calculator does not count deposit interest or the cost of locking the money.

Sources

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