IDFC FIRST WOW
IDFC · Travel · Visa
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
None
Best Rate
0.66%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
0.66%
✈️Travel
0.66%
🛒Online Shopping
0.66%
🥦Groceries
0.66%
💡Utilities
0.66%
🎬Entertainment
0.66%
🛍️Shopping
0.66%
⛽Fuel
0%
How Points Work
4 pts/₹150 (0.66%) · 1pt = ₹0.25 · Zero forex · Points never expire · Redeemable as cash
Key Benefits
Lifetime freeZero forex markupPoints never expireRedeemable as cash
PROS
✅ Zero forex (rare for free card)
✅ Points never expire
✅ Cash redemption
✅ Free forever
CONS
⚠️ Low base rate (0.66%)
⚠️ No lounge access
⚠️ No accelerated categories
Affiliate links coming soon
🐛 See something wrong with IDFC FIRST WOW? Report an updateWant to compare this card?
Go to Compare Tool →