Verified — 16/16 categories
IDFC FIRST · Visa
FIRST WOW! Credit Card
Best forGroceries & Dining
Earns4 RP/₹200 on groceries
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Visa
IDFC FIRST
FIRST WOW! Credit Card
VisaWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 4 RP/₹200
- No annual fee
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries4 RP/₹200
Dining4 RP/₹200
Food Delivery4 RP/₹200
Shopping4 RP/₹200
Travel4 RP/₹200
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | 4 RP / ₹200 on rent (MCC 6513)Details
|
| Education | Not a good fit | — | 4 RP / ₹200 on educationDetails
|
| Insurance | 1 RP/₹200 | — | 1 RP / ₹200 (1X = 0.125% return) on insurance premium payments per official reward termsDetails
|
| Utilities | 1 RP/₹200 | — | 1 RP / ₹200 (1X = 0.125% return) on utility bill paymentsDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on grocery spends per standard retail rewards structureDetails
|
| Dining | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on dining spends per standard retail rewards structure (no enhanced 10X tier on WOW)Details
|
| Food Delivery | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on online food delivery spends per standard retail rewards structureDetails
|
| Shopping | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on online and offline shopping spends per standard retail rewards structureDetails
|
| Travel | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on travel spendsDetails
|
| Government | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on government services paymentsDetails
|
| Wallet | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on wallet load transactionsDetails
|
| Railways | 1 RP/₹200 | — | 1 RP / ₹200 (1X = 0.125% return) on railway spends (MCC 4111, 4112)Details
|
| FASTag | 1 RP/₹200 | — | 1 RP / ₹200 (1X = 0.125% return) on FASTag recharges (MCC 4784)Details
|
| Jewellery | 4 RP/₹200 | — | 4 RP / ₹200 (4X = 0.50% return) on jewellery purchases per standard retail rewards structureDetails
|
| Telecom | 1 RP/₹200 | — | 1 RP / ₹200 (1X = 0.125% return) on telecom bill payments (treated under utility tier)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
- Fuel — ₹200 / month (per category — Fuel)
Key benefits
Rewards
4 RP/₹200 on groceries
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per month per CAP-IDFC-05-FUEL-WAIVER
Foreign-currency markup
0% foreign-currency markup — Zero (0%) forex markup on international transactions - industry-leading benefit of FIRST WOW! Credit Card
Important to know
Limits and exclusions that change what you earn.
- Fuel rewards are capped at ₹200 / month (per category — Fuel)
- No reward on: Fuel
- Not recommended for: Rent, Education
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, food delivery
- You want a card with no annual fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 3 no-reward categories
Caps
- Fuel — ₹200 / month (per category — Fuel)
Categories with no reward or not eligible
- Rent — Not a good fit. 4 RP / ₹200 on rent (MCC 6513).
- Education — Not a good fit. 4 RP / ₹200 on education.
- Fuel — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
FD/security and bank eligibility rules apply
Specifications
- Payment network: Visa
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per month per CAP-IDFC-05-FUEL-WAIVER. GST is not waived.
- Foreign-currency markup: 0% foreign-currency markup — Zero (0%) forex markup on international transactions - industry-leading benefit of FIRST WOW! Credit Card.
What DhanChakshu couldn't fully verify · 1 area
1 area needs further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-29
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-29
Official product page: https://www.idfcfirstbank.com/
Documents used