The IDFC FIRST WOW Credit Card is a secured, FD-backed card with no annual or joining fee for life. Because your credit limit is tied to a fixed deposit, it's an accessible option for first-time credit card holders, students and anyone building or rebuilding a credit history, while still offering everyday reward points on retail spends.
No annual fee, no joining fee — for the lifetime of the card
4 reward points for every ₹200 spent on retail categories
Credit limit equal to 100% of your fixed deposit amount
DhanVayu collects only the information you submit through our
eligibility forms — name, mobile number, salary and requested loan amount. This information is shared solely
with the specific bank or NBFC partner you choose to apply through, for the purpose of a preliminary
eligibility check. We do not sell your data to third-party marketers. You may request deletion of your data
at any time by writing to lead@dhanvayu.com.
Terms of Service
By using DhanVayu, you agree that this platform is for
informational and comparison purposes only. DhanVayu does not lend money, guarantee approval, or influence a
partner institution's credit decision. Rates, tenures and eligibility criteria displayed are indicative and
subject to change by the respective partner without notice. Final terms are governed solely by the agreement
between you and the bank or NBFC you choose.
RBI Disclaimer Notice
DhanVayu is not a bank, NBFC, or lending institution and holds
no lending license from the Reserve Bank of India or any other regulator. We do not charge any fee to
consumers for comparison or application services. Loan and credit card approval is at the sole discretion of
the partner bank or NBFC, based on their own credit policy and RBI-compliant underwriting norms. Interest
rates and offers shown are indicative, sourced from publicly available partner information, and may change
without prior notice. Please verify final terms directly with the lending partner before signing any
agreement.
