4.7 Rating • IDFC FIRST Bank Bank

IDFC FIRST Bank Wow Credit Card

Premium Category Reward Points
Reward Rate
5%
Annual Fee
Not specified
Premium General
Processing: 7-10 days
100% Secure
IDFC FIRST Bank BANK
IDFC FIRST
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

WOW is a premium credit card offered by IDFC Bank in India. It is designed for individuals looking for a rewards-based credit card with multiple benefits and a flexible payment option. The card offers a unique reward program where users earn up to 5% cash back on purchases. Cardholders can also avail of benefits such as airport lounge access, fuel surcharge waiver, and complimentary movie tickets. With this card, users also have the option to convert purchases into easy EMIs. With 24/7 concierge services and an extensive global acceptance network, this card offers a seamless and convenient payment experience.

Quick Overview

Bestsuited Rewards & Online Shopping
Rewards Up to 4X Reward points on every spend
Welcomebonus Cashback of 5% upto ₹1000 on the first EMI transaction done within 90 days of card activation
Annual/joiningfee No joining fee

Expert Review

The IDFC FIRST WOW Credit Card is designed to offer luxury and convenience to its cardholders. The card's reward program allows users to earn up to 5% cash back on all purchases and provides additional benefits such as airport lounge access, fuel surcharge waiver, and complimentary movie tickets. The card also offers easy EMI options and 24/7 concierge services that improve the financial experience. However, it's important to note that the card may not suit everyone. The card may have an annual fee or other charges that some users may find to be expensive. Additionally, the card's benefits may not be as appealing to users who do not frequently travel or prefer other types of rewards.

Key Features

The IDFC FIRST WOW Credit Card is designed to offer luxury and convenience to its cardholders. The card's reward program allows users to earn up to 5% cash back on all purchases and provides additional benefits such as airport lounge access, fuel surcharge waiver, and complimentary movie tickets. Th...

Key Highlights

Reward Rate

5%

Annual Fee

Not specified

Rating

4.7/5

Category

Premium

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

It comes with zero forex markup fee.

Cardholders can convert purchases into easy EMIs.

Limitations

No reward points on Fuel & Insurance Transactions.

Gold and Jewellery linked transaction are not permitted for conversion.

The card does not offer cashback on specific categories like dining or travel.

All merchants may not accept the card, especially in remote or rural areas.

Fee and Charges

Joining Fee

Not specified

Annual Fee

Not specified

APR

42%

Charge Type Amount
Add-on Card Fee Free
Foreign Transaction Fee 0%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
Below ₹100 Not specified
₹100 to ₹500 Not specified
₹501 to ₹5,000 Not specified
₹5,001 to ₹10,000 Not specified
₹10,001 to ₹25,000 Not specified
₹25,001 to ₹50,000 Not specified
More than ₹50,000 Not specified

Reward Points Structure

Rewards Category Rate Eligibility
Special Categories 5% Based on card category and benefits
General Spends 1X All other purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Premium Service Seekers

Ideal for those who value premium services and exclusive benefits

How to Apply

1

Visit the IDFC FIRST Bank website or nearest branch

2

Navigate to the credit cards section

3

Select the desired credit card

4

Click on "Apply Now" and fill the application form

5

Upload required documents (identity, address, income proof)

6

Submit the application and wait for verification

7

Receive your credit card upon approval

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: Stable income required

Documents Required

Proof of Identity

PAN Card, Aadhaar Card, Passport, Driver's License

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *

Proof of Income

Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement. 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Gl6zl7ISZ8wK7xaPZhOt6ujtuO+9Z+GVLxH+PaJSmNV6cwiXmEkBqa1/D2iG5qs+30YNtHEbhcdzEzZQZiXOmQdw7B/itpB1tPX+oaFlu+GMWRAsbnq9Ld90hS/5e9wm70KbN+EapUHnInu0pUVoT5eh/VYRy1ngNnUDkPtkXAd25nbrJJjMCXT0TVxs8rplIeqTGmf1BamsVxuFB8o+AH+eg3NmTUUt3xe+GFfi9hB2DGfMArcuVuBX3XbEx8C1MHA7t6qbR+Pa5EGl0RyWjdYRbmkPqc0qaMtD0KZsPhOUfRQf33cW1CdfDtm/HasFO3NDc1XP0qVzcK2ZWRI0zDt82+MNBqUbRMMcj7P6wMDAxO44L3mVOR/nzAM49kfB38baQ9TqgT97Gc6YBTBg+HoRvwQVpVCdBYq/X9VRIQO26SIW3bSPUK2jZOdXZRNBu2c9qBParMbH8R0x2v40rgM7a2/v4wV906camkNkGEUJBSctDOL+EWf1AbiS+QuclbpwDh6Oc+aBdBuva39+zew9dHkFZ8wC6dGg98UUnSU0ogvyujWdFjW14pVwYXQWtP97gTbrZvq8Ivz7Ffi1fQdye/d9WLjKPAAXFR/AtWZmiftFB96kZ3t3Ra3sT3FW6vTpqO72lotlpe3DOGdeBH7NMrsL58uCBcruITuLc8aO75OPwmfid316eL+irumFTKNwwfI5qds/S8icoF0P3wun49fymaDRXhivA5uSl+B6MykQhOZ4KO7ahIJTNpcvtDyBD+BPy9A8npCVrqH5Oc6ZF3D8e2LtoWpOFyz9auKg2LF9cuqXqi/AZ+JIzzHLdsb5qTN/aKIqGu3DIOfFkHN1LP8WBu7Zunp0JH4Nb4H+DnTzrbgObDrC99dPcMmZFAhU81Dp2c/G7jk4nJM6Uhv3gevVrx+BMmfgnHkh/NoC6gKcLwtEaE5IOLYXCvfeUtHNMHjLdS/eIujsMqCab4D332Vy2xfvv3XrJOJ/6yvytTfuFYTReQl1YNNxFa45kwZj47sE2vh34r7mhgU4KmWkntlzLCX2yqJ+5eirr3h5Qnuo+qBotP4KZ0ybyhLrfn37acLxvdA9olDU+Vgo8PnvtlasjbY+KLac4R6ai/Bf9RnJS4dkKlwgPYVrzqSEVPaDuODUDUaar8I5qdLvbnskZKSsu12Bc+ZFZbR9BG4PVTt7VYbm9Thj2ojQfkhq4+fuC8re1u3LHLiJGsFo+0/hfPq6q4lotD+G/47PQObbYucFm6rV4eYArjuTBh4uT1HE1kxZIBZN7OPZemVueYJn3APxOGsuwBe1CM0XcZuoKnT7ExVle3HMtIFj/Qgf2wdhoOL1zi3MNBgb3wWfF2z61jyaGFQ6fFpSweme16E2/T+JzqbKOroP56OtKWySyT6j14qgswgqbhNN89o6TqrIu11bhLLP5bn9GFNO9q7fMITPDTZ9hY5O7OnZuBOuP5MCUOBVuOCkVa0fzavfEOCclAjCicOlZ/3iJg+IunkjzpoX1Ub7cGjD7bhdVM1ln8GpXyg24GOTdmrGae47gDDlohqal8HFyV2x84PNwu/0HbxyEPcBkwLwgfYD6dEsR6HMGrc6Oc5JCfhw+SwMNvzaKSM0/7d3tPUKnDUv3FWgTzXdM4dZk/DZsAAf1wPvDhrtP8VZme4iUPbj3i3PVFKFsk2xKBrFfcCkgNsqBj6o78RFp2wes/OyRG57ij9Nlf2pXNR6Nc6ZJ7KzA0NC2yga5rMQstt7M3Zs4gbudo4Hj1gws8Oz5YTK7oZAtd6N+4BJAfcsCJzMrYSi07Vu/wnnpILrD++WDgnNacHQ+DycNU8CbZfH2kVVZXNZCBkGO++NHZu4Rc6CZsrB4Nj4XO92ISq7iu53culxt5diBSet+QXOSIHBwfG5bu+4eB7a7jV6rcBZ88atR4TbRVWh7aU4X9p0zsXQ/hs+NnWLvI3PlAO4oDwfnxds5ka4H5iU6K23dELByQpf1s/gjBRwD6bDlcr/w3koG7jtzQpea2vqV81420iq7KNC2X/GGdNm3vDNNaHb/xE7PnH3UH4t9M3sGBVlD4L3j8XnBZu5j+O+YFJEejbbDOejgAjt/8E5iOuWqDkZ58wbMerVgsitWg5rHfaFZgSONZ5wfNLuOZT95A+mvMDF/aX4nKDgpr3LSa9M0A3b1RWGbw914nylxy00q82tOAdpQ3tDr7INHDVXoK5SN4+NtY2oQtnL3CLPOGba9NYntfTpucHNFn0+MgWycSepol/Hzony+0TPwuZ8OHe/mvDfyBg0JhbiHmFSQnq2aCzOV3aqi+ENmpCDtKE5v2fhlS/BWfOkf/jqPWuj7Y/F2kZVFX0NZ8wCuFo+HAaLa2LHp+8Yzsp0B27jeqnNMwnnRKkNlLnMtZ/6s+rwmTKC+4RJCfdcDS44ZaujrSU4Y2lRdlehWkfhDLQ1G+YvmajiqHkD5/UBMOgZj7ePpoGOcplF6Y4Dx7sXH98Dv5DHFmRMyRjrTMo5K+F8KL+bntuUamXD7WYT++9UVObUgYGJ3XHXMCkg69GRsYITtqpb78MZy4r7QoGBhjf7dG7yPpyzCKqN5sHSp3X1clpPz60PKbR9NHZ8+t5cq08uwnkZv3G374SOLk84H8rva2/cy2WQo61XC2V+HPvvdPxa38iqPtw3TEpIFd2WUHSaKrsc5ysr0F5vntHa5Dr4sDwb5ywCqdsfTWgfTVW0HufLiqDReWg63gYvNIb3ZuwuAqITxAId3fjHEO5XRMLfFe45e7eF2RbdwqQJFPlzuOiEvWdgqPhbeNMB2vqzhPZTtr23nijF1inSox0Y4APwXpwvK7wewIXRM8HQ6kIXlmbyRSrzy9h5QMOtZvELtXIx5QmHQps3bZmHSRH3MzMuOFXhyuUh+PPvccYygttOXdFoHYYzFgV8WT+J20dVOKcncL6s8HoAN+XtPCuuO+isrxnvfwp+v++QyZdvmaWvPvnygOhSKE6hzDe2zMOkyAKfFjzV0QYRlv9kcb8EJLSdtIODa+binEXgtszBbSPsU3DlfSHOmBVdMIBzktyxhZk+bgs/eN/8bULfl16h7En4of++kfE+qdvn4L9LxUCbu7bMw6TJ2PgucNL4tA/nPThimXDbFQWhXZnQbrqG5n6csyj6h1fUYu2j68Pw3jwKZ8yKoNF+p1T2Dwnt8EsV/dDNVMb5GR/YOKdPR38pNcHzWEXP76Fs4q4hNR39WezvExLnYVJEhl6tB7cW5ysT7nkA18aEdtNV2bNwzqLoG1k5GGsfXX/TP5zfPp4erwOHfRZsu4tXXAOGNm5tTbhAprn47XYmLMlGW8X+PiFxHiZFqo32ybjghN3mm6AMwJvUrenzfEK7SSqU+QHOWCRV1ToFt5GsOS3gu5na1MXF7bF2eKrQ0S1uuyLe7scfZGhOw/1MQbeXN/z5eZxnMxV1Ta8kfKesZ3C8FI/YeIkYbR0GJ4fbwzJWeII+i/OVCfiAeTyhzWStKPs2nLFIhLLfwm2kKmQ5AefLEl/3Qt2e8MX5W/jznJ5jlu2M68HQI4BBOe5jGtpfw4XEe3CeLYG/8/v4v6Nh4dsr+kx1uDkgdPtcXHSqBsoeijOWAbm4+QbcVuriB26LxP2SgttHWXc7CGfMknn1yUBSvf00e1dVlfkUD+Rok9CvJAyUOcNNwMJ5tkQq+wP876gIF6PfwHmYtBgcnys8moHmZiDhiIUztHo3eJN6tXUZ5LmpTIuj9mu/dhbB+TIHzlHRiP4Vt6NrVHZ9pWHehcvC0GDvJdForE+JWJnGdnlSt7+M/x0VA21+hfMwKTJ/pPkqXHSyluy5LAdcgXxETt2uibeXpg+K0LwR5ywSaNONCe0kK86XB0Gj/Q7cjm7TLZoqlPkQlUXBGbcc1vJ9ZRjdgfuSiI+62bM4E8Y9rym1/U3Cv6dhyR638YqptWYSik7QQJmVAyXYVH1L4EvhUjE1+y3WXpq2LsQLThaN0PapeDvpivPlQU2vfC1uR5f6GLxff4Lrw5QTuGj/FPQZ1ee4b8d5knAXzG7iTcK/JyG0/3SciUkRXHCqwkl+a63eKtXm1dCm1bidlK02mu8ZGlq2G85ZJLiNpFVRIYtf7rO4ORBrS7eq7HPwvv10r7KvxHViyoVQ9uex/iPgptmnV+I8SQSNtts16Rr8GlTMc1HyrkQQPjm2Mowehyz/iPMVxd6a7rMZSUJtn16grtgD5ywa3E7KikbrEzhfXsDx78btYW1Lhu139fQsfdFbXUzOKLurnBoIJfRb6W316+hAHGlbwGcv5WdUf4PzMCkilfFlBpq7VfllnK8Qli6dI7X5QEIb6arszThm4YyN7xJrJ2GL3ABaevYsYZpWR8whfSOr+nggVx6q9dYS3E90NBfhPNtDhOaE+GuQ8WGch0kROdo6QoZRlFB4io7jfEUgGu3D4KqJ6sO1MQPdurMWlm+mXnWkdQxuK1WFiq6eV78hwBnzwq0/B4P0e3C72BeE9/RDQq98Ey8CXCx94aoR6Iurcf8Q8dnBkfE+nGl7EF8qqdRrtJLH/ZQb6OjShMLTU9mf43xFUFOdlcGfjrWPrOYiGOi/GucsGvgQPzveVppWG9E5ea8BtyVSrWxI1V0L+s5E+Ky8U+rW0p6h8Xm4hkw+wOf8afDeJ3qxYWe0a5AkPBnOTZbEeZgUgTfEB3HRifokzpY7U7f11iW0ja6jLY1jFs38oYkqtO3eWFsJ6mbSVtTEQe7WO86ZJ0K13o3bxm7TR8CrghEzMshbBuUK1P0XCf1Bw9Bch/NMB0l2wNq56DkR52FSZNNm67HCU3SBshLny5NqaF6G20Rat9lyiXZe2ExlcfNQaN/vYu2laGhWy/rkS3HGvKkou6/0aM/ePBShXQl/Li168N0tuM93oeguHRSo1kdwpukAg6Bb8WsR8is4D5MmbjV2bajO6NlKUS/uQXBXxxrRjZWTFO5nezWzK8asCXT7XMof5FsKOc4oy684MJi8D7ePnZZrpbY/7VlSvosdX3DvEajzmQm1J6K5HmeaLvDvvyao7l2urK3p5fvhTEyKSBX9OlZ4gor6ZGFbavUPr6gFdB+ujQkfGGsCZU/COcuA1O1rcXup2qebf1mWGY5Ctb4PbdqA28hOT6HMj4N6dDSuKzN7qvXmkNCW7uersu/HmaYLfA7/gyS6q4/7HpGN9hE4E5MicOV9CS48ScPoK3sVcBvVLTMAg+CvxdpD1/Vy1J6Cc5aBqo7eLkKzJqHNJBVq4gCcsUigvmT3XyyRj0llLhYjq0JcX2ZmQE0vTKgzGefPYqegvdS4FNqswK9JxGdhfPEVfswgQ+Dk+Iz04MobcizrHW29AufLGjdLU2rjxzNZulPH+3Zksck8gfb9L+nRRJHq4uYAzlgkfSNmBLeRnaHK3jm/MbHQTW7CdWZ2ALe2JtQyVl8iChU9NdtdbAJlL8OvS8UgtJfVFjf7cSYmJdxMQ+IPSm6ys/HvkThf1sAx2/G2kHYMZywLQre/l9BeopoNOF8ZEDriZ+HS9Qn3fC6vITcz3GzfhJqSUejWp3GmHaUamnfi16Wi0PbWSqN9HM7EpEQwNj4PCn0lLjxBnw4a7eNxvqxJaAdpy/wwNlyJL8ftJWsYRThfGag0oo9KulsVldV1QWj/T8BryO0Qg2PjcwMdvTehnlT8LbT/LTjXjlJR9qCE16biI0KZz+BMTIqIhh8LowplT8fZsga3gbo4X5mgfCsFG2i7DOcrA9Xh5oAM7XW4veysfcYtQO1+UcI1Z5LZuz4ZED8Xv13TZtazMN3AX2r7XMLrU/ESnIlJkc6HdrzoFP0ZzpYlgbJnJLSBrG7zZJyxLFTUNb3EP8T+qHC7dcxiZlrWuIeuO21MaDs7W+EcVvbfA9U8FNed2Rqo1wXx+pHxF/AeGk1rlrkMzeMJx6DiKpyHSZXOLgJkt+zYrAjtGpwsK9zP+yI0bjHPWDsoKpT5vVB2Mc5ZFqS+cX/cZsK6SS+5P685fTbOEbpNdeYbAe36QEc/cTPYceWZF5BEl8/oGNqL3QLZONNMkbQnb92D8zApA1eFDyQUnpx5PWcCH8DflB49K1Tp/CKQztViFlSVfT9uM2Evcr9644xlovegWypVHZ0sdOTFosll1C2YDT7CA7lkcL0oWRlZ+VqcZzbAazbxMShZxBJfXYUkvOfaVr7mhgU4WxbAB28rdmzCzhteUcMZywQM4D6J20zYcwZKuE3Z1mzcKWhMLBTKLEtoP5ui8Flyras17oFuJgjN4bhOlAyG0p11LMLoPHwMUg5H++NMTIr4srE9vPEzf0i4s3hvwrEJO4kzlolAWbf/6TUJ7aZpw/wFzlhmoM2rYxnYLNzQV598eY+yu+I+6Cb6FzcPhlq4ZaFwfah4Bc40W6iv0Sgarb/CmZgUoX6CbLaqmm/G2dLGfQHj45JVRc9LZT6FM5YJGZp3ydD+MtZ2oooRQ2qVfrdnq3A7DCRkYdPWrM7jM6zMVHXL7QhCcv9PN/lHaJvJshluUWB8PCpW9eT7eFHrjIFCk99WC95AX6oubs7H2dKiT0djcBxv1iODev1HNTQvwznLhNDtc3G76VrOBXxfjM6SDkS/VEnaiC6qNJrDuB+6Acj/h1g9yGiu7M9oRyBJeKs7+J65Rixys3KZzPDkNuoPs3xgEgY7n4JjrE04LkkD3XzvbLd6yRqhrNtoPdZ2opKdkSXD6Apo/xMJmdj0fTrQ0ffK/t5Mmz2UXUB5uSChzD9ndQtcNsz/xMcj5B3VhjkcZ2JSRqrotoTik1Fo+1RFTRyEc6WFT4vJghsqyvbijGVD0p5Cj70K56NEtT45lJCJzUx7Z6DMSbgffGSBsntI3fp2vAY0FG5VAhiA4lxp4fZOxsckZWg/iTMxKQNXEOfHCk/OlZmsseW2HRPKkn0OIa61OGPZcLM1ZUh/jULnpmUj/gNnpAZkIfslS9FA23VucIP7wTeCunkdfMn/HOcn5O9wpjTZ9BgDPiYZ4bPvIpyJSRmhJg7AhacmDEIvw7lmzVhnseNj8bEIu1bo1t/hmGWjd7T1ioS2U9VtFH8szkiOodW7ydGWTsjHZqdbc/Jy3BW+UFliD4ILNTfT/PmE7KV303qJmfaPWzweH5eSQtuHcCYmZfqHV9Rw4akZaPMrnGu2uOn9MvTh18kpRWh+vKC+4uU4Z9mQda8GCqv6dXQgzkgVt9p8QkY2O59ZoJantrp/mRC6/Y+S8s4L7la3jt6Lc6WN1ObJ+LHJ+HxPlz3TmTtuBmdC4UnpnkXAuWZLrdH+c6n8WcqiqqMze45ZtjPOWTbk1KzfWPtJqqLlcv9f7IUzUqVabw5JZXgQl6+XiCUT++C+oI6bqOQeMUjIS8JAmZU1vXzWG9e/GEK1Kd9i3th76PIKzsSkjAw7t3pixackzjQ7Nu4EV1iktzLZSmX/gBOWkb0PXjkoCU+dj9v6KM7oA51fT1R0Vzwvm5FPg/tTuACbDvK1v9grISMpRWjeiHNlgVCTH8fHpmQeC+13PYGOLsWFpybONBsGlkzsLj3aExKudO/AGctIbbS1CNrbxu0n66h9G87oBYPjc6u6eTRk3BDLzGai0GZZ58vQg1tS8Hk0ivNRs2dJPlvjVRutP6c8kS6oR2/x5cKjtMjR1hGS+Ifx/KGJKs41MzbOEY3WYfj1CXu3VK0P4pRlRDba70poP1VTv61fNirKHiSV+SpkfTghP5uyYqrOn8f9QAn3TGig29/D2Sjplq7CubICvptfLZT5MW4DFeGcvYDC0lWkcVd2Uptf4OJT0m2GjHPNhP7hm/eUyv4Tfn26mmuhNqlutJwV0N7Px9tPVhK3rWeLW+qg2ohOTsjPZqGyj2a5cHnWuJnwkv46j9fjXFnhPruD0P5LQhuoeOO84RU1nItJkc7aW8p+MqH4ZAyUTWUpEXidY+TUMyexY1A0GGm+CmcsK1K178ftJ+xanM9nZKOpRGi+mFAHNnXtnRUdvRb3QflZtrPQ5t54HjoKZX6f3t2e6bBxJ/hOOhS3g5LQ52/CqZhUcQ/t017zLK2lROANugy/NmWz2uYldY5ZtrP0Z+D8vNSGxHOH6bFxTm1xsx+yr0qoB5uybq9J3ANlZ6/RlpBhZ327WB4yhuZinCtrqovMn8TaQUllT8WZmJSpabNfrPDEdBvP41w7Cn5N0qqoifOVlflLJqqx9tP1EaHs6ThjVwAD8SBcvbdU5u6EurApGujoaFz+stJZlNaDvbfd9lY4W9b0jYz34XZQMtDmLpyJSZmpfenixaekUOYEnGtHwa9JWfiAPxHnKyuyPvlS3H7CrpUpXEzQZeNOlUb7T+GDeyKhNmxKCqgvledb4ftFCg9WOwiGVs/D2fIAt4OSWazTyiTQWXg0oQMI2XRfHjjXtBgb30Wo6L8SXpOmyp6FI5aZ2tTDzfEcJDXX4nzdStCYWOj2WxbKPhevE5uCD8/4My9HRCP6ekLbSRlksWXjNIHP8xtxeyiJ8zAZACPlC3HhiXnPTKcs712/YUiGhvyCxpudN0xrCydo8zk4A1WD0P4zztftwMXhbfAl9N+4Vuysfc7NBMb1LhvQ9+sT2k5HFT0PGU7BufICvpu/G2sTIXEeJgPcMxVwlbEGF5+Qj4qGOR7nmg6Q/VapPfmVQEWPul8UccbyYncVoT9riQWN9kKckAGGVu8G77Pz4Ivwzk2bgcdqx+64Qtk1QSOdZZSyoKKu6cVtJmdoLukdbb0CZ8sLOP5p0A6yg+BqaP4EZ2JSRo62tAjtSlx8Qj4JXwxn41zTAf7dIwmvR1LIcjXOV2Z6PZhAs6U4H/MC7pktqNHfS20ul3xbNSXNhkDZL+JalwUYfPxFvM20DJQ5yS23hbPlBbxv3gntuA23i4pV1ToGZ2IyAN5sn8XFpyQMXlbgTC8GfJE08OtQFa7Gb3db1eCMZQbqT/qcw+J8TDIiNCHU60zhz/IxRbq+b2RVH65x0VQbzYOhbfcktJeUFWX3xdnyxM1+laF1u57E2kbC0F6HMzEZIFXrb2LFp2QYrcaZXgwYQLifp+OvRdMvUFv52oPJM1uJ8zHbwS0v0RnE0d4JpgwGjXbpbqMGOvomtO0PuK2UFNoW/0jK0OrdKO8QBOfBXQO5LoDcpey9uDmEi09JuJr/Nc60PXqVfSX8uyvw6xD1PhGav+5ZunQOzllmpLbkr9Bf0DyJ8zHbx/1y1NnOT0V3xevJ7oBfKNs2WyK0axLaScvQlOLXI/hs+UCsbXRcm9Z2l8yLAFccpJ8Hw3m2RXVhc75Q9lve3MIJzbsUlZ0XtgDq/1gsC12/jPMx02dwcI37RW4p6M2M8Lx0E0PAD+OaFoXbcgq3kZrul6Oajv4OZysCNxEAt4+QG9wqFzgTkwHEZ6JuHFgyvZ9q4Q1xCJxULfzvqRroiTrOSAEYRHszI1E06CyeXFbcL3KdZ6cU+U3P8ze0/w/Xsyiq9ejtsfYREwZw36s12sM4WxG4RYRx+2hpb8eZmAwItHFrzpDds66qJ6e1xYzb1w7/W6oKbclsm7UlbsIFzkJXc28RW+34DtT2y6JzUWk2xGvOYoOh8UJ2C9iS/rp5I7TF4LZRs6Kjt+BsRQJt+hVuIxVhMLwO52EyAIr9UfC3uAPIqOyncKY4G3eCK4I7Y/+WoDAIelYq81mckAJu3T6ch6qBMj92e7rijMzsqQxHB0rdgoEc3bWw8rJf2YNw/fIG2vF5uKgk3Vdu9xB3GxhnKxLiy3ytx3mYDKgubs6HQcE1CR1AQvjguLT/kO3PxOyfmt4e+7ckDe0PFqjlhU5znxl2V6mNLxNINsJg9LjCZ6v5ztj43IpqHsqLAW/H0JxV1J6dUyzbWU7tBxxvGyHh/LoVJysaoc150l2wJ7SXgn0j46Vb6sZLhDJfxMWno10eKHsozvRH4EsgCO1J8X9HVGVOxREpML/RXgjtj2J5iOqeqcQZmWwQqnVUQPzLLENvLHIpIbcTSUKbSDl1cWCuwNmKBgbnp0LbyO5aIxqtw3AmJgMWLJk4ABefigFc/cFJ/jGcaTN9OhqTHlwhbtKtUTQXZ6SAnJpt6Es/FL7YZzdS02a/oGGO92YmeUp2lhMqALeMSaBb5+L2kFNFzWCk+Sqcr2hkfVLL0P481l46fgVnYrKgs8Amza1upqbTt8/FkTYjp57xi/07igplb8P5qADtvwR8AmeiKj//VhCbFwNW0b24T7rVqo7OwWXKA/crtNSG+q/qTwc6+npPCZdkcrcgKT8HB23/sVuUGOdiMkAq+wDuACoGofkZztMBTh5BeIYt8mH4oHkvjkgF94xJQiaaKvtLnI/JHzin/g4uPNux/uk+N+Da5IHUbfrPtIbR6gXK7oGzlYVA2X8QRNfOFMqukY32ETgTkwGS8B52gYpuwXkc8MaU+O8S9ja3OTjOSAWhol8nZCJpENof4HxM/oyNje9SndpN5kncR90mrk32jO8itHkUt4OcoTkfJysTUrXeBu2kukbiOlGixaa9RjSijyV0ABl7jlm285Z53PpIUpmz8N+jahCOkx28udmaOA9V3XIDshH9PY7IFIvbJg8uEtxenLE+6wZxPbKmoqPX4jZQFOcqIzAIuh23m4pwsXsZzsNkQF998nW4+JTE+wLuPbJy0C0/gP8eVbfMRo3qItLbwmxtGP1ONFp/hTMyJWBgYvepRYAT+s1zcSmyZHDqOUQvni3G2cqICM03cLupCIPP63EeJguGr95TEl44c35jYuGWcWSD9GbAWylU9NSW2aghG60jcCaqBjpawUuIlBfom8Ohn64En8d957O4DlnidiARfmxL+CTOVkagnX+f0HYSCm1Lt76etwhlz8AdQMgjt8wifXouRrVO2TIbLZbtLJQ5P5aJqIGyH3f7d+KUTLkIlPlnuCCl/4zWNM1rF4H+4RW1IDSX4eNT1A1CRWj/pezWdPQV3HZCPuN+GcfnEZMBnVXP4x1Aws4MzS2eg8P/nayh+TkMrA/Ysp8o4W5tQ/u9+MB3Bg3zTpyRKSELr3xJtRGdifvPV6uN5sG4BFkQTP3CSXJWJFuMAbo7xmQE5VmbcKXyn5sHOrXQfgj/d6rCwLROecsmaP/RgZtOnpCNotX65BDOyJSVjTttGsQ9iPvRN+F99lacPguktlRnRLIFCYN+vujNA7enHi4+IW/sC83rXQ6ho58m/HeSFrvP4eyRyp4iPbqdPa9+Q4AzMuVlr9GWgAu7j+B+9E5lTsPZsyB2XJZ9EYUyp+PziMkIqgtjwqDtWfBv3ark8P9vwP+doqKE+/PtKNAnl+JcVA2UfRDnY2gAfUd2RftpuhRnTpsgNO9IOC7Lbl9lfyiHo/3x+cRkQBDar8Y6gIhwpf2/pTY/w/87VcVo6924f6gBb94bcS6q8owqukhlTpV+30pdijOnTTA1uxcfl2W3r7K2Wm8twecTkwH9jebBdFfY7gzefNk66xy8th05PFvAF94XF+GIDB02LTES61tPXIrzpgm8/uekR3sZs/la1ZPvw+cUkwFuIkCgzI9xB7D5GjTM4bhvqCEWTeyDc9HVPipC879xRoYOwdj4PLjI8+LxigSX4rxpAq9P8tEatjR+AZ9TTBYMrd6t2uBnHYrVPEx55ulmatq8KZ6NqMour/ECvuSBvrwm1rceGCh7Es6aFm4PZjjGs/iYLLsD3oHPKyYjpFrZSOgANi+92Cx945xAtd4dy0ZUoe2l5G9pM/DZFl0glH0K9y91qxn+Yi9HW3+Dj8eyO+gTPT1L5+Bzi8mAzkbw8Q5gczDQ9uaqjv4M9wk1qsPNAfii/E+cj6hrIcsJOCNDD+jLY8H7EvqYumM4axq4Rzlg0Mu3T9lZ637JxecXkwkb50h+YLUgW9/Oa1ucLKno6ECho2Y8H0FD+0sfnklkOuflW6FP7471MXF7DzL74axpIJX5LLw+2T2y2fJIeUchckDBb8cdwOah+QDuC4q4aeOQh+hs5piTQaPN28F4gNvZRGh7S0IfkzarZ2bhtZfjY7HsTOSlRHIEPujOxR3AZu66nqX0nxOYeui5fWZCPpoqez7OyNBEqIkDoE9XxfqYuDhnGuyh7AI495/Dx2LZmSiUPX2Bsnvg84zJAHjjfhCKvhZ3Apupq3A/UGR+o73QPfSfkI+komGOxxkZmsCXyFEiNGtwH1MX50wDMdo+DB+HZWeqUOYbfSOr+vB5xmTA/MYEfAlHF+FOYLMRar0a/jwS9wNFRH3yjTgfZfsPWVHDGRmaQH/+L9C7DdlxztkSNNp/KrS5Hh+HZWdjMLLqVfhcY7JgaPVuUreW+jjlvoS62xSX9CyZ2B13A0VEaE9PyEjVZ3A+hi4wKDlPaP8+03DO2SJDexq8rnd1You1pqO3Dwz48T1XegJlD+Up5Lk46dMUa8ji08bh63A+hi7Sw+ff4DM63XN0bHyu0NHDseOw7Oy9Yt4w39HIhU0rcF+e0AlsmirzKVx7ykhlfVp24D6cj6HJIAxMpI9LYiiT6sLfbg3H2DFYNh0frIbmZficYzIiaJjjEzqBTVFcc+rgfKQNzVdxviIIlvAyJrPBzX4LlP14rH+9sPU/cN6ZMrBkYncR2jPix2DZlFT2VHzeMRkh65M61gFsquKaUwfno2wQlmMGqlB2pW+/1OZJTdk3BzpagfuXvmZDtd4cwnlnSv/wippU0W3x47BsOrrZqPi8YzJE+HVLrFwq+35cb8pUF/t1+2VoaNluOGPe9OlobIs2rYcv2Dvhf6v3KLsr/rtMEuO7ePtMV2i/lebSDDDI/UnsGCybom4SET7vmAyBqzwf9w4s3tD8LmhMeHVrTOqm22synpWiKmrifEUAg4+Pbd0u+xxcVK2B//0/ekowwCw347v01c3roG7Px/rXA4UyH0rzIgNecwM+BsumLT7vmAwJtPmu1Lwid9rO69z6oL/zwpYE7lZfQlaKVkait+J8eeO+nANl1uC2xVT2zopavi+vdL41MrTXxWrlkW7PYZx5puw51Jm0FjsGy6YtPveYDIGrPLeu12O4E9jZ2T9885641pQJhsbn4YyUDcLxwpd2EToahcHZA7htiSr7G7jQ+pxc1Hp1T9cP5JbtXA3N4bEaeeZeoy2Bk8+UQEcn4tdn2Sx0v4zj84/JiL3rk4HU5le4E9jZaK7FdaaOnFrlPiErTXG+InCzYKEtT+K2vagqegIGdP9W0dGx/cNXw4XCxp3wa/uJ3bXSaA5D/gdjNfFNZVs4/UwJQvMOb58TZEtnVbWOwecgkyFQ9CtxJ7AzFr5cjXdTqeFL4JKErGTF+YoA2hGBz+K2TdfAbRsV2s/WRqO/w6/tI5D3vTB4+yGug5cq+1mcf6YEYXQV77rD5maK5y4zDdwSBrFOYGdqWzRah+EaUyfQ5taErGTF+YpAhuZ+3K4Zepe7aIBB9uE+zl51i/S69xTkvBN8JiG/bz4idCu1Qfm0b9OzbBqG9jp8DjIZ4h6OjnUCOyMrjdYRvk1ecEi/Ngm/BucrAhjAPZ7Qttn6BHiH0PYnQpkTqqE5BB+XAhVle6uN1p9DlnGoU1fd/hMq+lJay4e4mfDS01m6bGldK0dbGp+LTIYkdAI7A+GLZ19cWx+QHi1BEOjobJyvCHKY/b0WvF02oi/LeuuDVCbWbNrm7wqp7C8TMnmvCM1xaT3XWNHmA/j1WTZb7e+rOnofPheZDIl3ArujBtpcievqA/2HrKjhrJQNRla9CmfMm1p9chFuVx66hTbhz9+B90oVfU40ohMXKCuL+tW4urA5v7q4eTC05/tSm7s3tS/W7q5R2Ud7jlm2M67TTBA6+ltwdewYLJux8F14FT4fmQyBov8adwI7fd0Xj1uSBdfVB9yzVTgvWZW5ya2JhTPmTUXZv4m1rVjd7dzroT6ndR4DyHKpkrHxXYSyR7mHneGYjyS0pWsNdLQcl2tGDI7Phdf7Gk9eYIvRRPiUZDLETTWPdwI7bUNzcXVxcz6uqw/A4PSCWF6iikb0scIXxD1m2c5CRxfitrHdLQy2bg/q0Vvw6TITap0dPqx7HjJ2HJbNXGUfxOckkyVuoVYV8b6oM3TquRUPGVq2m1TmBpyXqkK1jupZWsztws3sNXrTq2EAdzVuG9vdCt26sGfhlS/B58tMCHT0Pfz6LJujT+JzksmYaiM6J6Ej2BczNA/gWvoCDEz/GjJ6s9CzaKx8Dc6YN9COk6W29+C2sV3tkz1j43PxuTITZH3ypQmvz7L5WueZqLni9oeMdQL7Yj4vtTG4lr4Ag9NTfVrF3c1wxBnzRmhznpzJDgysrz4H77Nf4vNkpnj1zCpL1mDU8o4MedI/fLNXsw3zMNDRQ7XR1p/jWvoCZLwcZ6aqG4jifEUgQrsSt43tXmFAHy1Qy1NZfqhfTRwkdHsFPgbL5m5ov9oztHo3fI4yGeEewo91AvsimqsGBiZ2x7X0BTG13VNCbopai/MVgfToljQ7e2s6ejs+R2ZKELbfCe9ZnnnKlsHLa3r5fvgcZTIE3vy/SOgIdhsGQ6vn4Rr6hFcz2UbbS3G+vHHrnkleGZ99wT/gc2TmbJwDr8cT0diSaH4F44kP47OUyRAo/HfiHcFuS1w/n/BtsFHVrcJXB3eLCON2sd2raLQ/gc+RmeK238Kvz7IF+qjQrX/F5ymTIUK3P5zQEWyy63H9fKKiowMTMtNURXeKunkTzpg3UrXeFmsb252q6PvzhlfU8DkyU+Ro69WxY7BsgQahvQyfp0yGVEPzJ1D4Fu4IdmuFip4KRppvxfXzCansB3Fuqgptv7ln0TNQpxbw/TRuG9uFqmh9RdlefIrMlL6RlYPC7XuLj0PXp6o6Ogfn7EagXx9KqA8J4XP3VpyHyZDORtJh9BXcESzW2L06e0h6ytCy3XwabATafGYwpXW2Zor7tUUo+5+4bWx36ba3Eo3ou/j8mA3wusfi4xD34ZqO/gzn7EagFr9NqA8JAx3xjgx5A4U/EncEu7V9I6sGe3o27oRr5wtCmzdBzuU4N1nd/p4F476QpLZ3xtrGdo3whXYr/Hlk2jPXpbL/jY9F2WDUfhxn7FagHv+F60NJsWhiH5yJyRCho1HcCezW+j771G0N5tNgIwjNCM6YLxvndGqqLM8S7GIDZc6Yv2Siis+O2YKPQ10Y6NZxxm6F+p2QfmUPwpmYLBla7W6fPY07gv2jX8Yl8w0ZmvMTctMUBk04X95Uh5sDfPu0mzVPCmWW4fMiDeDi5KT48WiLM3Yz1dC8DNeHmMfiTEzGBKFdk9ARbBg9VtHRW3C9fAOyXhXLTtd7cL68cXuwitDwDgxdqzEVveJAfF7MloElE1Xp1WLbnZ0pHsI5u5qx8V2gLg/iOlFR6OhEHInJmEBH5+KOYKON1UZ0cv/w1XvievmGZ7f6foTz5Y1bbV96tKYeuwOG5pdDQ8sy2VIIXv9C8JnYMQkbhOYdOGe3EyjzGVwnOpqv4DxMxkDhT5a8qjd2eUU1D8W18o6x8bkJ2ckqQvufOGLeCGXPwO1iu8Oqsm/G50NaSL+WDnGD3furi5sDOGe3IwnPMobPPl4LLm/cz/1Q/HHcGd1stdH2dtP6LZHD0f44O1Xhw2NN0Cj+il5MzT6MtY/12nX4PEgTN9BJOCZpq43mwe6WIc7a7cj65EtxrQg5jvMwGROMjc+Dwl+U0BndqYqeD4YKXgg2J2S9pWP5qarMTaLRfg3OmDexdrG+e3sw2joGnwfpsXROdeouCT4uabOYoesDri64VoTkAVwR1JQ9KqEzulIR2pW4Pj6yQFkpQ3sqzk9WZb6FM+ZN70HLK7F2sV4qdPSUDM0Naa/zhgl09F7p2+3TzmQjf9fWnBXHLNs5oV5U5AFcEVSU3TehM7rRR8HP4fr4SK82+8EX0MUJNaCpsqfgjHlTW9zsj7WL9dXvBzk8JwvHudDt6JBwfLoq8+84J/MCUKO1sZrRkAdwhaDsrt59SMzMVVCHo3B5fKTSaA5Lbb3ZC7faMIfjjPmycaf5jYmFuF2sh4bmYbjoPdT9WoLPgrSBCxMbOz5tnxYNcxzOybwA9Pl1CXWjIA/gikL69zP9DlvVzaNxXXylotsfwPkJ+2weX6bbw+3YIXR0dkLbWH98XjbMu6qLm/Nx/2dB4OEFQaCjL+012hI4K/MCQWjeg+tGRB7AFYVQtusXH513yM01XBdf8Wz9vydxvrxxX0oyjC5PaBvrh89KZW/Kc2s9t69vQjtIG6jWu4u+2Co7om7eKLXZgGtHQB7AFQVcWf5PGdr7EzqlSzQRronPQOZ18RqQ9Tc4X95UFzcPFp4ttMpOGYT2pLxnTYpG+zA4n27BbaFu3nWkSN/IykGo1Xdw7QjIA7iiEGriAOiAVQmd0g26q51zcE28ZWrLFlwDuqrodhwxb0QjOjHWLpa2yj4QKHOZW8oD93fWCN327na8UPbXOCcTR+5/415uWypcPwLyAK5IuvgZnitxLXyG+FpD2Mfgi+EknDFvBD9D6o/K/Bb+vLCoW30LlN0j1ibiwvvjaRgMn4GzMsmI0IRQs3txHUsuD+CKpKqjoxM6xXsr9ehYXAufCUKzN64BWUP7QHXEHIIz5k2sXSxRzQYYwJ22l7IS93Fe1JR9Zbxd5L0LPBJnZZIRjZWvkcremFDHMssDuKJxV0oJHeO1uAa+A19SHs1ANaX49TTeLpaYv5KN9hHu1y/ct3nSN7KqTyjzjYT20VaZT+KszHZw+1Qrcgut8wCuaKATHkvoGJ99DNfAdyDzBQl1IGmgo0/jfEWA28WS8r+Esu/GfVoE7pcXuIi+J6GNpK2p5ptxVmb7BA3zTlzHkssDuKKRofllQsf46pM1Zbvqg2VgyX27S23djhO4FiStHmhehjPmTbCk7d16Xb4rtHVbYZ1Wa7SHcX8Whfv1DwZvq3FbPfB3OCvz4gQjZiShlmWWB3BFI7RZltAxnmqud8+D4Rr4TEVHB8brQNeiHjTfkk23vdbgtrGldD28539cC9vv6n/z1XviviwSOdpZ9+3ZhDZTdxJnZV4cgltc8gCuaKSyjYSO8dLq4uYAzu87QRidh+tAWZyvSAYH18x1t4qEsu4ZpgdxW9niDLQ5z223NjS0bDfcb2Wh86tgQttpa+8UDXM8zspMD6jhffGallYewJUBqc3jCZ3jnXmuql4WAs8WB8X5ykJnpq8yN0Ab1+M2szkamvvdrVLcP2Uk1nYPDJRZGYTjXXWXI02I7ZDEA7gyEOgWxUUEd9RLcO5uwC1OmlALmsIACecrK5v2tWy6+gtteMeGDIQvu+fgz3UC6gwD6JHBwfG5uB/KSqDsGTgPed25Hpo34qzM9IHPivOkip6P1bac8gCuDMj6jZroXmzTU0Xr4YPlOJy7G4D8f4jVg6jwhf0lnK/UDK3ezQ0sYOB5sbuyhoHGw7z9VmreLbT9KdT38GBonNQv6xVlewMfd8EJo+t7lkzsjvMy0wcGwadIban8is8DuDKw6fbPTQkd5IXwpXmp+yLFubsB6dGAodow78T5SOC2MqtPvjRQ9vRgas0vt4vDI/BB7X5BiuVkt6Hq7OfbAr/TV4+OpLrPplvCBD6TvJkZ/keVORVnZXYMGNgfHdCZIMUDuDIw6BYR1M1jEzrIC6v11hKcuRsIVPNQXAvC3uUGQTgjZaqLm/MrjdYRbmswoe2lkDGC/9vDB9tnoLLPBWHneaCLaqE5zk226unZuBOuIUWkp9uw4ZzMjuMm2sGF3Q9xbUsqD+DKwcY5bnN7+PJY46Pz6jcEOHE3AG+wI3EtyKqjr/ceuryCM/pCZ7mXhltWonWmCO350Her4Wr8oYQPTb9V9n748ztQh3M6t0cbEwtxragjVHRL7Pz2QJyT2XHcjylwfnwJ17aMSm268rlyhmGYaTGwZHVVLLppHzna0oGy7hfVY2Vo3ADvGpDcc6uis+6ZWSeV+RZ4ltuPuTY6ucjtB+puNeP8DMMwDMMw5HFX6G7Bz87m1zoac8Ig6MzOfppTz7GuxYOmIoUBm7slfIcbsAXafAYGn6+v1ieX9I2sHOwfXlEb40EbwzAMwzAMsHTpHLeArdsxYrNuopKz7+CVg07pfskDq8q+H/48Ryj7xelrTtj878WwXexezw0q3evPg0GZO97Akondy7yILsMws+f/Ax710AQ6PkUoAAAAAElFTkSuQmCC>

Expert Review

Charges
2/5
Rewards
5/5
Customer Service
4/5

Detailed Analysis

The IDFC FIRST Bank Wow Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With 5% rewards on eligible spends, it makes a compelling option for premium enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of Not specified and other associated charges. These factors should be weighed against the benefits offered.

Overall, the IDFC FIRST Bank Wow Credit Card is a great option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank IDFC FIRST Bank
Category Premium
Rating 4.7
Reward Type Reward Points

Best Suited For

Premium
General

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