IDFC FIRST WOW Credit Card — Rewards, Fees & Value
visa · entry
Best reward rate
0.8%
Annual fee
Nil
Type
Reward points
Point value (best)
₹0.25
Reward rate by category
Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.
Key benefits
- Lifetime free secured credit card (backed by FD)
- No credit score requirement — anyone with FD can get
- 3X reward points on all spends
- No joining or annual fee
- Helps build credit history from scratch
See what this card is worth for your spending
Calculate your exact points value, or let the Card Finder check whether the WOW belongs in your stack.
FAQs
What is the reward rate on the WOW credit card?
The IDFC FIRST WOW Credit Card earns up to 0.8% effective value on dining & food delivery and 0.8% on online shopping. Its base rate is about 0.8%.
What is the annual fee of the WOW?
The WOW has no annual fee.
What is one WOW reward point worth?
On the WOW, one point is worth up to about ₹0.25 via its best redemption, or around ₹0.25 as cashback.
Reward data last verified 2026-06-16. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with the issuer.