IDFC FIRST WoW Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

A credit card with no annual fees, usable for a lifetime. Earn four times the amount of reward points for every purchase made. Reward points have no expiration date and there is no additional charge for foreign transactions. Enjoy a 1% waiver on fuel surcharges. Receive insurance coverage for personal accidents, card liability, and various other benefits. Additionally, receive four complimentary roadside assistance services valued at Rs. 1,399.

The IDFC FIRST WoW Credit Card is a credit card that comes with a joining fee and renewal fee of Nil.

This card is specifically designed for individuals who enjoy dining and shopping.

The reward type for this card is Reward Points, which can be earned on every Rs. 150 spent.

Unfortunately, there is no welcome benefit included with this card.

One of the perks of this card is the movie dining 50% discount, where cardholders can enjoy up to Rs. 300 off on movie ticket bookings (Visa Infinite).

Additionally, cardholders can earn 4X Reward Points on every Rs. 150 spent on shopping.

When it comes to travel benefits, this card does not offer any specific perks such as access to domestic or international lounges or golf privileges.

However, the IDFC FIRST WoW Credit Card does provide insurance benefits, including Personal Accident coverage and Card Liability cover.

These benefits offer added security and peace of mind to cardholders.

This card does not offer a spend-based waiver, and there is a rewards redemption fee of Rs. 99 plus GST.

On a positive note, there is no foreign currency markup applied to transactions made with this card.

The interest rate for this credit card ranges from 0.75% to 3.5% per month (9% to 42% per annum).

For fuel purchases, there is also a 1% fuel surcharge waiver, up to Rs. 200 per statement cycle.

If cash advance is needed, cardholders can avail it for a fee of Rs. 199.

In conclusion, the IDFC FIRST WoW Credit Card is well-suited for individuals who enjoy dining and shopping.

With its various reward benefits and insurance coverage, this card offers substantial financial advantages.

However, it's important to consider the interest rate and fees associated with this card before applying.