{
  "id": "idfc-wow",
  "locale": "en",
  "name": "IDFC First WOW Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "0% Zero Forex Markup · Up to 7.5% FD Interest · Never Expiring Points",
  "bestFor": "Credit builders (No CIBIL / Income proof needed), students, and zero-forex international travel",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/wow",
  "affiliateId": "idfc-wow",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/wow",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Lifetime Free — No annual fee forever",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Forex Markup",
      "value": "0% True Zero Forex"
    },
    {
      "key": "FD Interest",
      "value": "Up to 7.5% p.a."
    },
    {
      "key": "Income Proof",
      "value": "Zero (No CIBIL needed)"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 Lifetime Free"
    },
    {
      "key": "Min FD Amount",
      "value": "₹2,000 only"
    },
    {
      "key": "Point Expiry",
      "value": "Never Expire"
    }
  ],
  "earnRates": [
    {
      "category": "International Spends (Zero Forex)",
      "rate": "0% Forex + 0.48% RP",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,500 Forex Savings + ₹480 RP"
    },
    {
      "category": "Spends Above ₹20,000 in Billing Cycle",
      "rate": "1.44% (3X RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,760 RP (₹1,440 value)"
    },
    {
      "category": "Domestic Retail up to ₹20,000",
      "rate": "0.48% (1X RP / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,920 RP (₹480 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions (0% Forex)",
      "multiplier": "Zero Forex",
      "rate": "3.5% Savings",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Saves ₹3,500 per ₹1 Lakh spent abroad."
    },
    {
      "channel": "Spends Above ₹20,000 / month",
      "multiplier": "3×",
      "rate": "1.44%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "3 Reward Points per ₹150 spent on incremental spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / pt",
      "minPoints": "1 pt (No minimums)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.25 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments via credit card apps.",
    "Wallet reloads and government taxes.",
    "Fixed Deposit cannot be prematurely closed while credit card has an outstanding balance."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Forex Markup",
      "value": "0% (Zero Forex)"
    },
    {
      "item": "Finance Charges",
      "value": "0.75% to 3.5% / month (9% to 42% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18+ years (Students eligible)"
    },
    {
      "criteria": "Income Documents",
      "requirement": "Nil (100% FD-backed, no ITR or salary slip needed)"
    },
    {
      "criteria": "CIBIL Score",
      "requirement": "None (Works for new-to-credit or low CIBIL scores)"
    },
    {
      "criteria": "Fixed Deposit",
      "requirement": "Minimum ₹2,000 FD with IDFC FIRST Bank"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}