SwipeYield Review
A zero-fee secured credit card ideal for students and credit-builders.
BeginnerLifetime Free
IDFC FIRST WOW Credit Card
By IDFC FIRST Bank
4.0SwipeYield Rating
Joining FeeLifetime Free
Annual FeeLifetime Free
Fee Waiver:
Not Applicable (Lifetime Free)
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Reward TypeReward Points
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NetworkVisa
Rewards
Base
0.16% (1 point per ā¹150)
Accelerated
N/A (Focus is on building credit and merchant offers)
Lounge Access
ā
No lounge access with this card
Pros
- Instant approval against FD
- No income proof required
- High interest on FD
Cons
- Requires FD collateral
- Very low reward rate
- Basic card tier
Eligibility
- Minimum Fixed Deposit of ā¹5,000-ā¹10,000
- Age 18+