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IDFC BANK
Zero forex markup on a secured card, with rewards that never expire.
One-time
Waived on ₹1,50,000/yr
Uncapped rewards
Standard approval
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromHotels
No published ceiling on this tier
Flights
No published ceiling on this tier
Bills
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
50% on Hotels — Hotel Bookings: 50 bonus reward points per ₹150 spent, with no stated cap.
Biggest limitation
This card is secured against a fixed deposit. The deposit is locked for as long as the card is held.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
50 pts
uncappedHotels
Hotel Bookings: 50 bonus reward points per ₹150 spent
30 pts
uncappedFlights
Flight Bookings: 30 bonus reward points per ₹150 spent
1 pts
uncappedBills
Utility & Everyday Expenses: 1 reward point per ₹200 spent on:
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹750 | — |
| Annual / renewal fee | ₹750 | Rs. 750 + GST joining fee and Rs. 750 + GST a year from the second, waived on annual spends of Rs. 1,50,000 or more. Secured against a fixed deposit. |
| Add-on card | Not published by IDFC FIRST Bank in the summary for this card. Check the card's schedule of charges. | — |
| Cash withdrawal | Not published by IDFC FIRST Bank in the summary for this card. Check the card's schedule of charges. | — |
| Late payment | Not published by IDFC FIRST Bank in the summary for this card. Check the card's schedule of charges. | — |
| Foreign currency markup | 0% | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹5,500
of one-time welcome value, on top of what you earn
Every year after
₹1,50,000 a year
is what it takes to keep the ₹750 fee off — about ₹12,500 a month
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions, capped per statement cycle, per IDFC FIRST Bank MITC
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹5,500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
Welcome benefits worth over ₹5,000 on payment of the ₹750 joining fee, including travel discounts and complimentary memberships
₹500 off on first travel booking via the IDFC FIRST Bank app on a minimum spend of ₹5,000
Only on ₹5,000 of spend. Miss it and the benefit does not arrive.
Spend ₹20,000 a month
Complimentary domestic lounge access (Spend ₹20,000 in the current calendar month to unlock 1 lounge visit in the following month (max 4 per year, 1 per quarter))
Spend ₹1,50,000 a year — about ₹12,500 a month
Annual fee waiver (Spend ₹1,50,000 or more in the preceding year)
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IDFC BANKIDFC FIRST Ashva Credit Card₹3,539
IDFC BANKIDFC FIRST SWYP Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177Indian Overseas Bank ZET FD Credit CardIndian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime freeRBL Bank SalarySe UP Credit CardRBL BankRBL Bank SalarySe UP Credit Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST WOW! Black Credit Card · this card | ₹750 | 50% hotels | Included |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
| IDFC FIRST Ashva Credit Card | ₹3,539 | Up to 10 reward points per ₹100 | Included |
| IDFC FIRST SWYP Credit Card | ₹589 | Up to 1000 reward points per ₹15,000 | No |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹750 plus GST, waived on ₹1,50,000 of annual spend.
The strongest published rate is 50% on hotels, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 4 complimentary domestic lounge visits per year (1 per calendar quarter), subject to spending ₹20,000 in the qualifying month
UPI credit-card linking is available only on RuPay credit cards, so this card cannot be added to a UPI app.
Fuel transactions Rent payments Wallet loads EMI transactions Cash advances and ATM withdrawals No rewards on fuel transactions, rent payments, wallet loads, emi transactions, cash advances and atm withdrawals. No reward points on fuel, insurance, EMI transactions and cash withdrawals, per IDFC FIRST Bank MITC
IDFC FIRST Bank rewards catalogue, Statement credit
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Rs. 750 + GST joining fee and Rs. 750 + GST a year from the second, waived on annual spends of Rs. 1,50,000 or more. Secured against a fixed deposit.
Read this first
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST WOW! Black Credit Card — 50% on hotels. ₹750 a year.