Visa
IDFC FIRST Bank · Credit Card
IDFC FIRST WOW! Credit Card
Lifetime-free FD-backed card with zero forex markup.
Joining feeNil — lifetime free
Annual feeNil — lifetime free
Best forcredit without income proof
Key benefits
- Lifetime free — no joining or annual fee, secured against your fixed deposit
- No income proof or credit history needed
- 0% foreign exchange markup on international transactions
- Interest-free cash withdrawals for up to 45 days at any ATM
- Keep earning FD interest while the deposit backs your credit limit
- Welcome benefits worth ₹5,000+
How to apply
- Tap Apply Now — you'll be taken to the bank's official application page via our partner link.
- Enter your PAN, Aadhaar-linked mobile number and basic details.
- Complete the OTP / video-KYC verification as guided by IDFC FIRST Bank.
- On approval, the card is issued and dispatched — activate it from the bank's app.