IDFC FIRSTAP Sticker Now Available To Apply In App

good share bro..

is it eligible for amazon 20% off wallet load?

@equalizer @some1anywhere

If I understand correctly,  this is a debit card which can be stuck to a phone and have  tap and pay facility... right ?

Finally @abhishek012 U Got Images, If U Know Bin Number And It Is The Same As Old Idfc Debit Card , Then Pls Tell Us, Will Tell Friends To Apply This Sticker. ( May Change 99rs Price Soon )

I want to try this 🥹, but no IDFC account.

Do we get a Card number for this one ?

@posiedon

Axis bank, SBI bank, HDFC bank, Federal bank, Yes bank, Equitas bank, IDBI bank ko bhi yeh Add-on Sticker debit card lane chahiye RuPay Platinum par.

Jaldi se card dete nahi hai yeh sab bank ya phir branch se lena parta hai.

Hello all, I will try to answer some questions based on the DMs I am getting and the questions I am seeing here. Info is based on my actual experience of getting the IDFC First WOW! Card.

Q1. How to get it?
A1. Initially it was invite-only when it launched. I don't know or am not sure if it's still invite-only but the option just showed up in the app for me one day and was getting spammed by SMS daily and constantly. I had recently opened IDFC Savings account and had created huge FDs of 10 lakh there.

But those 10 Lakh FDs did not work as they were set to close upon maturity and the interest was to be credited to my savings account (not compounding or re-invest the interest). They have specific FD terms and conditions for this card (auto-renewing, compounding interest/re-invest mode FD). The FD creation and getting the WOW! card based on that FD limit is integrated into a step-by-step multi-page process in the app and net banking. Once you see the option to get the WOW card, you just finish it step-by-step, it will set up the FD with all the correct options including duration etc required for the WOW card. You just have to enter the FD amount.

Your existing or other FDs in IDFC First Bank are entirely unaffected by this FD created specifically for this card, and you can close/renew them independently. Interest rate of any FD is obviously what the CURRENT FD interest rate is.

Q2. Does it have cibil hit?
A2. Yes it does despite being a secured card. In the month that I got the WOW card, in fact, on the same day, there was a cibil hard enquiry by IDFC First of the same amount as my FD. However the CIBIL score did not come down despite the enquiry. (A CC enquiry has a low impact on CIBIL anyway). What matters really is making on-time payments. Also, the card is approved/generated instantly. There's no question of approval, credit assessment or any eligibility check. It became instantly visible in the app and net banking and was delivered within a week.

Q3. How long do I have it?
A3. I have the card since September 2022. Naturally the FD is liened.

Q4. Being Visa Infinite, does it work on Thriwe for Amazon Prime 3 months or BigBasket voucher of ₹250?
A4. Yes it works. It worked for me. The card was accepted on Thriwe, it generated a Membership ID code/pass which I could enter in the Thriwe app to get benefits. In fact, this was the 2nd card which worked for me (and the first credit card) after Yes Bank's World Premia Elevate Debit Card also based on Visa Infinite.

Q5. Why did you get a secured CC? Are you dumb/stupid to get an FD-backed card? 🤣
A5. I have 13 unsecured CCs from 10 different banks so getting unsecured CC is not a problem for me. I only got it because unlike other bank's credit cards, it is a unique offering from IDFC First Bank. This card is not available as unsecured at all whereas for other banks, most cards come in both secured and unsecured variants. Secondly, some of the benefits on this card are not available on other IDFC First unsecured CCs. 0% forex was really useful to me - I did lot of eBay, Amazon USA, BestBuy, Walmart, Temu transactions and shipped my shopped items to my relatives/friends in US. The card worked every time reliably (remember to pay in LOCAL currency of that country, which means FOREIGN currency for us Indians, i.e. dollars in case of USA.) Due to 0% forex, you get the Visa $ to ₹ exchange rate which is same/close as what we see on Google. There are no extra charges. Remember to not pay in Indian Rupees (INR) for international transactions or you will be charged the dreaded DCC charges (Dynamic Currency Conversion) even with a 0% forex card.

Q6. Any downsides to getting this IDFC First Bank WOW credit card?
A6. Yes one downside is you become ineligible for pre-approved offers for UNSECURED credit cards from this bank. Also, you can't apply online any more for unsecured credit cards like IDFC First Millennia, Classic, Select, Wealth, Private etc. That being said, I did have a conversation with IDFC First bank employees about this and they said they have an official policy of allowing one secured card and one unsecured credit card as long as the unsecured one is applied for before the secured one. In fact, I know a few people who have IDFC First Select or Classic and THEN applied for the WOW! card and they have both cards now.

I plan to apply offline for unsecured IDFC First CC now on C2C basis (hopefully Millennia, Classic or Select). But the reward points on IDFC First Bank CCs are not that great, there's now a ₹99 reward point redemption fee for ALL CCs including First WOW! since Oct 2022. So this makes almost all the IDFC First Bank credit cards kind of less worthy for me unless they have some unique and killer benefit.

What stands out in case of the WOW! Card for me is: 0% forex (other IDFC cards don't have this and even in case of other banks, the HIGHER END premium cards only have 0% forex e.g. RBL World Safari which is very hard to get as LTF). Another good thing of this is reliability - it always works for international transactions (unlike say SBM Bank Niyo Debit card or Jupiter or Fi debit cards which sometimes fail). Also, IDFC First Bank customer care is very good if there's ever a credit card fraud or emergency in case of fraudulent international use. They will be quick to block it and not charge you. I keep international transactions off on this card unless I have to do any purchase. Lounge access is NOT there for this card, neither railway nor airport but my other 11 unsecured cards have it covered. You do get free Roadside Assistance. All the usual IDFC First Bank cashbacks and bank offers work on this card - I got huge cashbacks in November/Diwali season for some promotion I didn't even knew existed, I just did my usual shopping with it, and recently used a lot of IDFC First CC offers on Yatra .com to get 20% off on bus bookings with this card.

My Firstap debit card got delivered today. I have 5K MAB IDFC Vishesh account. This card is tiny. Roughly 1/4th the size of a normal debit/credit card. I glued it to the back of my phone because that's the only object I carry with me everywhere I go besides my wallet. Hopefully it won't come off ever or fall off the back of the phone - that's always a worry.

The glue on this thing is very weak - it feels like it will fall off easily from the back of even a metal phone with no cover. The app has setting for online, offline and contactless transactions so Amazon RuPay offer may be possible if the BIN is supported.

Is this firstap working for today's Amazon add money offer? 

Firstap card not working for RuPay offer. Most probably the BIN is not added yet.

Amazon support is hopeless, useless and pathetic. They are competing with SBI cards customer care to see who can hit rock bottom. They don't know these days about the RuPay offer and when shown the link, they often say that the offer has expired. 😂 Totally incompetent nincompoops employed by the company who are good for nothing.

@quantum Can U Add In Deal Wiki , Amazon Wallet Load Working From Today

Can we apply 2nd card with same account?

Thanks

116.82 INR debited..

Any dimer ask me a question how to convert in to wealth account.

I am sharing my experience here,

Bro. , Keep more than 10 lacs in your saving account.I am waiting for more than 1 year conversion from select to wealth account. I talked to customer care and wrote emailed but all in vain. October 2022, I just surfing idfc app where I found RM mobile number. I called him. In December 2022, he converted my account to wealth savings account. He send a link for consent for me. He said you have to keep more than 10 lakhs in your savings+fd. You can make family account. He said all members of your family can keep 10 lacs jointly. I am just waiting for wealth credit card upgrade.

I applied FIRSTap debit card at 1.00 a.m. on 18/4/23 & got digital card at 10.30 a.m. I also used on Amazon and bought ₹10 gift card. It is working smoothly.

Now anyone able to apply first tap card !! I can't find on app of idfc

Is it working??