IDFC FIRST WOW!
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST WOW! is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
IDFC FIRST WOW! is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise travel benefits.
- People who prioritise international spending.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- Up to 4 points per ₹200 on eligible purchases.
- Fuel, EMI and cash withdrawals do not earn rewards; points expire after 24 months.
Trade-offs to understand
- Requires a fixed deposit with the issuer; approval is subject to its conditions.
- Resident applicants require a minimum ₹20,000 eligible fixed deposit.
- Zero forex markup and no primary-card joining or annual fee.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- BOBCARD Scapia — A similarly priced alternative for comparing reward points and international spending.
- Federal Bank Scapia Credit Card — A similarly priced alternative for comparing reward points and international spending.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Requires a fixed deposit with the issuer; approval is subject to its conditions.
- Resident applicants require a minimum ₹20,000 eligible fixed deposit.
- Zero forex markup and no primary-card joining or annual fee.
- Fuel, EMI and cash withdrawals do not earn rewards; points expire after 24 months.