IDFC FIRST Bank Wow Rating & Reviews
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IDFC FIRST WOW Credit Card 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.
Overview
Best Suited
|
Rewards & Online Shopping |
Rewards |
Up to 4X Reward points on every spend |
Welcome Bonus |
Cashback of 5% upto ₹1000 on the first EMI transaction done within 90 days of card activation |
Annual/Joining Fee |
No joining fee |
Who should get IDFC FIRST Bank WOW Credit Card?
The IDFC FIRST WOW Credit Card is the perfect choice for individuals who want to make the most of their credit card usage, even with no credit history. This deposit-backed credit card provides an option for users who may not qualify for other types of credit cards. With up to 5% cashback on all purchases, airport lounge access, fuel surcharge waiver, and complimentary movie tickets, this card is designed to cater to users’ lifestyle needs, whether they are frequent travelers who love to dine out or enjoy watching movies. Additionally, its easy EMI option makes the payment experience effortless and convenient. So, if users are looking for a credit card that goes above and beyond, the IDFC FIRST WOW Credit Card is the answer for them!
Reward Points
With this card, users can earn 4 reward points on every ₹150 spent across all transactions.
Reward Points never expire | 1X = 1 Reward Point per ₹150 | 1 Reward Point = ₹0.25. |
*Note* A few transactions such as Fuel, Insurance, EMI, transactions & Cash Withdrawals are not eligible for reward points.
How to Apply for IDFC FIRST Bank WOW Credit Card?
Users can apply for IDFC FIRST WOW Credit Card online and offline at their convenience. If users prefer to apply offline, they can visit their nearest IDFC FIRST Bank branch with all the required documents and fill out the physical application form for the card. Users who prefer online methods can follow a few simple steps as mentioned below:
Step 1: Visit the IDFC FIRST Bank website and navigate to the credit card section.
Step 2: Select the IDFC FIRST WOW Credit Card from the available options
Step 3: Fill out the online application form with personal and financial details.
Step 4: Upload the required documents, such as identity proof and income proof.
Step 5: Submit the application and wait for the bank's decision.
It's always a good idea to carefully review the terms and conditions of the credit card before applying and to consult with a financial advisor or the bank if the customer has any questions or concerns.
IDFC FIRST WOW Credit Card Eligibiltiy
To be eligible for an IDFC FIRST Bank Credit Card, you must meet the following criteria:
- Age: You should be at least 21 years old and not more than 65 years old.
- Credit Score: You should have a good credit score. Most banks require a credit score of 750 or above to qualify for a credit card.
- Income: While there is no specified minimum salary requirement for IDFC FIRST Bank Credit Card, you will need to have a stable source of income to be eligible. This could be in the form of salary, self-employment income, or any other regular source of income. The bank will assess your income and expenses to determine your creditworthiness and ability to make timely payments on the card.
- Citizenship: You should be a citizen of India.
Documents Required
- Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- 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.