# IDFC FIRST WOW

IDFC First Bank · Visa. lifetime free · 0% forex · 4 RP / ₹200 (incl. overseas).

✓ official · checked 21 June 2026

## How it earns (2)

- 4 RP / ₹200 (incl. overseas) · verified · checked 13 June 2026
- 1 RP/₹200 insurance/utility/FASTag/railway · verified · checked 13 June 2026

## On gift vouchers

- ₹50 back on a ₹10,000 voucher bought direct. · 4 RP / ₹200 (incl. overseas)

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## Lounges (1)

- Domestic lounge visits; the count is not confirmed. · Domestic · domestic · unlimited

## Statuses it opens (1)

- GHA Discovery GHA Discovery Titanium · enrolment needed · ✓ official · checked 19 July 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Points expire after 24 months
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (3)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 18 June 2026: IDFC First WOW points now expire and earn is capped to your credit limit (https://getbrief.cards/changes#idfc-wow-deval-2026)
- Improvement · 19 February 2024: Visa Infinite cards now fast-track to GHA DISCOVERY Titanium (to 31 Dec 2026) (https://getbrief.cards/changes#gha-visa-fasttrack-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-first-wow