IDFC FIRST WOW! Credit Card on PhonePe
Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on PhonePe, the same as most other spends.
On PhonePe
0.12%
Other spends
0.5%
Rank for PhonePe
#127 of 149
Annual fee
Free
What to know before you pay on PhonePe
How it works
Flat 0.5% almost everywhere; bills and railway 0.125%.
Caps & rules
- 4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway.
- 1 point = ₹0.25.
- FD-backed, lifetime free, zero forex.
Reward limits
- 4 points per ₹200 on online, offline and international spends: Points only on spends up to your credit limit per billing cycle
No rewards on
Fuel, EMI, cash withdrawals. Utilities, insurance, railway and FASTag earn only 1X. Points only on spends up to your credit limit per cycle. ₹99 + GST per redemption.
Checked 2026-10-03 · Bank terms
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Where else the IDFC FIRST WOW! Credit Card earns more
Questions
Does the IDFC FIRST WOW! Credit Card give rewards on PhonePe?
Yes, but only its standard rate: the IDFC FIRST WOW! Credit Card gives 0.12% back on PhonePe, the same as most other spends.
Is there a limit on IDFC FIRST WOW! Credit Card rewards?
4 points per ₹200 on online, offline and international spends (0.5%); 1 per ₹200 on insurance, utilities, FASTag and railway. 1 point = ₹0.25. FD-backed, lifetime free, zero forex.
Which credit card is best for PhonePe?
PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The IDFC FIRST WOW! Credit Card ranks #127 of 149 cards we compared.