Welcome Benefits :- 

• You get a 5% cashback on EMI transactions up to ₹1,000 within 30 days of card issuance using this credit card.​

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Rewards & Benefits :- 

Movie & Dining

50% Discount Up to Rs. 300 on Movie Ticket Bookings (Visa Infinite)

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Rewards Rate

Earn 4X (4RP) Reward Points on every Rs. 150 spent

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

NA

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Domestic Lounge Access

NA

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

NA

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

Zero

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Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

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Fuel Surcharge

1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 200.

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Cash Advance Charges

Rs. 199 per transaction

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Product Details :- 

• Lifetime free credit card.

• Earn 4X Reward Points on every spend

• Unlimited Reward Points that never expire

• 0% Foreign transaction markup fee.

• Get 1% Fuel surcharge waiver

• Insurance cover for Personal Accident, Card Liability cover and many more.

• 4 Complimentary Roadside Assistance worth Rs. 1,399

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Pros/Cons :-

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Pros

• This is a lifetime free credit card.

• You shall get a 100% credit limit against the amount of Fixed Deposit

Cons

•  There are no travel benefits associated with the IDFC FIRST WoW credit card.