What is the annual fee for the IDFC FIRST WOW! Credit Card?

The annual fee is Free. Check if you qualify for a waiver based on annual spend.

Click Apply Now on this page — it goes directly to the official IDFC First Bank application page.

IDFC FIRST WOW! Credit Card Review 2026

Name: IDFC FIRST WOW! Credit Card Review
Item: IDFC FIRST WOW! Credit Card
Rating: 4.1
Author: 10 Best Credit Cards

The IDFC FIRST WOW! Credit Card from IDFC First Bank is a popular credit card for UPI-first users wanting to earn credit card rewards on everyday payments. Here is a complete breakdown of all benefits, fees and our honest rating.

⏱ 1 min read📅 24 Mar 2026✍️ Raj Thakur

✅ Verified November 2026 · 🔍 Reviewed by editorial team · 📊 Official bank data

📋 In this article

Key Benefits
Best For
Our Honest Take

Key Benefits

Rewards: 5X Rewards on UPI; 3X on other spends; works on UPI as credit card
Annual Fee: Free
Joining Fee: Free
Lounge Access: None
Forex Markup: Zero

🎉 Lifetime Free Card — Zero annual fee, forever.

Best For

UPI-first users wanting to earn credit card rewards on everyday payments

Our Honest Take

The IDFC FIRST WOW! Credit Card delivers solid value if your spending matches its reward structure. Compare it against alternatives in the same category before applying. Always verify current terms on the bank official website before applying.

Raj Thakur

Credit Card Analyst · 10BestCreditCards.com

Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.

⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.

Frequently Asked Questions

IDFC FIRST WOW! Credit Card

Key Benefits

Best For

Our Honest Take

Frequently Asked Questions

Quick Summary

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