IDFC FIRST BankVisaLifetime FreeWOW Secured Credit Card
4.0NeoFinQ editorial rating
Build credit with FD-backed card at zero fees
- No fee
- Earn FD interest
- Build credit history
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- Lifetime Free
- Est. rewards
- ₹20,000/yr
Our verdict
Good secured card for credit building.
Perfect for
- Credit builders
- First-time card users
Not ideal for
- Premium seekers
Pros & cons
- No fee
- Earn FD interest
- Build credit history
- Requires FD collateral
Rewards
1X Reward Points (1 RP per ₹150 spent) on all spends; points never expire.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Shopping | 5% |
| Online Shopping | 5% |
| Cashback | 3% |
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Employment
Salaried / Self Employed
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