IDFC First Bank · Visa · Lifetime Free
FIRST WOW Credit Card
1% cashback on all spends; FD-secured card
Back to all cardsTop benefits
Ultra-low interest
Monthly interest rate of just 0.75% — the lowest in India — on this FD-backed secured card.
No income proof needed
Secured against Fixed Deposit — no salary proof or credit history required.
1% cashback
1% cashback on all eligible spends.
Build credit score
Ideal for building credit history from scratch or repairing damaged credit score.
Common questions
Do I need a salary slip to apply?
No. The WOW card is secured against an IDFC First Bank Fixed Deposit. No income proof required.
What is the interest rate?
0.75% per month — the lowest of any major Indian credit card.