What is the annual fee for the IDFC FIRST Bank Wow?

The IDFC FIRST Bank Wow is a lifetime-free credit card with no joining or annual fee.

Does the IDFC FIRST Bank Wow offer airport lounge access?

The IDFC FIRST Bank Wow does not include complimentary airport lounge access.

What rewards does the IDFC FIRST Bank Wow earn?

It earns 0.67% on eligible spends as Reward Points.

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Wow — IDFC FIRST Bank Credit Card | Card Manager

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IDFC FIRST

entry

•••• •••• •••• 0000

Wow

VISA

Wow

IDFC FIRST Bank • Visa• Entry

Available onVisaRuPayUPI

catalog

Annual Fee

Free

Base Reward Rate

0.67%

Foreign Tx Fee

Tier

Entry

Joining Fee

Free

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹134

Dining₹5,000/mo

+₹34

Grocery₹8,000/mo

+₹54

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹34

Online Shopping₹8,000/mo

+₹54

Utilities₹3,000/mo

+₹20

Annual earnings

₹3,940

Blended 0.63% effective return

Monthly spend₹52,000

Monthly earnings+₹328

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

LTF FD-backed card. 0% forex. ₹2K FD for existing customers, ₹5K for new.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
0.67% base reward rate on all eligible spends. 4X RP/₹150.
0.67%medium

Forex

Zero forex markup — no extra fee on international card transactions
0% forex

Travel

No lounge access on this card.
None
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: Free. Annual: Free.
Lifetime free