IDFC FIRST Bank · Entry · lifetime free
FIRST WOW!
Where it ranks across all 187 cards
#20 Wallet load
1.0%
direct
#26 Education
1.0%
direct
#48 Jewellery & watches
1.0%
direct
#55 Gaming
1.0%
direct
#60 Mobile / broadband
1.0%
direct
#71 Cabs & transit
1.0%
direct
#74 Other
1.0%
direct
#76 Health & pharmacy
1.0%
direct
#79 Electronics
1.0%
direct
#87 Hotels
1.0%
direct
#88 Flights
1.0%
direct
#89 Food delivery
1.0%
direct
#89 Movies & events
1.0%
direct
#89 Fashion
1.0%
direct
#90 Online shopping
1.0%
direct
#93 Groceries
1.0%
direct
#97 Dining out
1.0%
direct
#82 Insurance
0.3%
direct
#95 Utility bills
0.3%
direct
#146 Train tickets
0.3%
direct
#21 Government / tax
0.1%
direct
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Points valued at ₹0.5/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
4 pts / ₹200
source
Source: FIRST WOW! Credit Card - idfcfirstbank.com - read 25 Sep 2026
1 pt / Rs 200 on insurance, utility, FASTag and railway spends
0.25%this rule
1 pt / ₹200
how it works & source
FASTag recharge is included in the bank's list but has no dedicated category in our taxonomy; omitted from match.categories.
Source: FIRST WOW! Credit Card - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, EMI
earns nothing
Fuel, EMI conversions and cash withdrawals earn zero reward points.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI
Source: FIRST WOW! Credit Card - idfcfirstbank.com - read 25 Sep 2026