IDFC WOW! Credit Card 2025
Save up to ₹7,000+ every year on online shopping, international travel & lounge access!
Want best rewards for online shopping + international travel? The IDFC WOW! Credit Card is perfect for you!
You get 4X points on online spends, zero forex fee (save 3.5% abroad), 1.5% cashback on all spends, 4 domestic lounge visits, milestone vouchers worth ₹1,500+, just ₹199 fee, and lifetime free!
Best card for Amazon/Flipkart shoppers + frequent travelers!
Why This Is The Best Entry-Level Premium Card in 2025?
4X online points • Zero forex fee • 1.5% cashback • 4 lounge visits • ₹1,500 milestone benefits • 45 days interest-free • LTF possible.
Best for: Online shoppers, international travelers, lounge users, budget-conscious users
Card At a Glance
₹199 + GST
₹199 + GST (LTF possible)
Up to 6% on Online
0% (Zero Fee)
4 Domestic/Year
1.5% Unlimited
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹199 + GST |
| Annual Fee | ₹199 + GST (waived on spend) |
| Welcome Benefit | 100% cashback up to ₹200 |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 0% (Zero Fee) |
| Interest Rate | 3.5% per month |
| Lounge Access | 4 visits/year (domestic) |
| Cash Advance Limit | 50% of credit limit |
Detailed Reward Rates (2025)
- 10X Points (4X effective) on Online spends (Amazon, Flipkart, Swiggy)
- 3X Points (1.5% cashback) on all other spends
- Milestone Benefits: ₹500 voucher at ₹20K, ₹1,000 at ₹50K quarterly
- 1 point = ₹0.25 cashback/vouchers/Airmiles
- No expiry on points
- No points on rent, wallet, education, government
Airport Lounge Access
- 4 complimentary visits/calendar year
- Domestic lounges only
- Primary + add-on cardholder
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹15 Lakh emergency hospitalization
- Zero lost card liability
- 2 free add-on cards
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Zero forex fee (save 3.5% abroad) | Only 4 lounge visits |
| 4X points on online shopping | 3.5% high interest rate |
| ₹1,500+ quarterly vouchers | No fuel waiver |
| Super low ₹199 fee | 50% cash advance limit |
| LTF possible | No railway lounge |
Eligibility Criteria & Documents Required
- Age: 21-65 years
- Min Monthly Income: ₹25,000
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary slips/Bank statements
How to Apply Online (5-Minute Process)
- Visit IDFC FIRST Bank website/app
- Fill basic details & upload docs
- Video KYC verification
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
If you shop online daily + travel abroad occasionally, get ₹6,000–₹10,000 value yearly. Best budget card with premium benefits – must-have for 2025!
Frequently Asked Questions (FAQs)
Is forex fee really zero?
Yes, 0% markup on international transactions.
Can I get it lifetime free?
Yes, possible based on relationship/profile.
What are milestone benefits?
₹500 voucher at ₹20K + ₹1,000 at ₹50K quarterly.
Lounge access for whom?
Primary + 2 add-on cardholders (4 visits total).