IDFC FIRST WOW! Black
by IDFC FIRST Bank · Data verified 2 days ago
FD-backed premium card: ZERO forex, dual card (Visa + RuPay UPI), up to 4X RP (Rs.0.50 value), 16.7% bonus on hotels, 4 domestic lounges/yr, trip cancellation Rs.10K, 25% off movies. Rs.750+GST fee waived on Rs.1.5L.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- ZERO forex markup — best for international spenders
- FD-backed — no income proof or credit history needed
- Extremely low joining/annual fee of just Rs. 750 + GST
- Annual fee waived on Rs. 1.5L spend
- Dual card system — Visa + RuPay UPI from day one
- 4X reward points with Rs. 0.50 travel value
- 16.7% bonus RP on hotels — effective 8% value back
- 0% cash withdrawal interest for 45 days — rare benefit
- 4 domestic lounge visits per year
- Trip cancellation cover included
- Golf, dining, and hotel club benefits
- Age limit up to 80 years — most inclusive
- Min FD of just Rs. 20,000 to get started
- Welcome benefits worth Rs. 5,000+
Things to Consider
- FD-backed — credit limit tied to FD amount
- Domestic lounge requires Rs. 20K monthly spend
- No international lounge access
- Trip cancellation cover only Rs. 10K/year — modest
- Personal accident cover only Rs. 2L — lower than premium cards
- Movie discount limited to Rs. 100/month
- Utilities & insurance earn only 1X rewards
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Hotel Bookings (via FIRST Rewards Gallery) | — | |
| Flight Bookings (via FIRST Rewards Gallery) | — | |
| International Spends | — | |
| Shopping & Others | — | |
| UPI Spends (via FIRST Digital RuPay) | — | |
| Utilities & Insurance | — |
Domestic Lounges
4 per year
Travel Insurance
₹2L cover
Fuel Savings
₹200/mo
Lost Card Cover
₹0
Add-On Card
Free
Movies
- •25% off (up to Rs. 100) on movie tickets via District by Zomato once per month
Dining
- •3-Month Complimentary EazyDiner Prime Membership
- •300+ merchant offers year-round
Shopping
- •4X reward points on shopping and other spends
- •3X reward points on UPI via complimentary FIRST Digital RuPay card
- •1 RP = Rs. 0.50 for travel bookings, Rs. 0.25 for others
- •0% cash withdrawal interest for up to 45 days
- •Dual card — Visa + complimentary UPI-enabled RuPay card
Travel
- •ZERO forex markup on all international transactions
- •4 complimentary domestic airport lounge visits per year (1/quarter)
- •Trip cancellation cover up to Rs. 10,000/year (2 claims)
- •16.7% bonus RP on hotel bookings via FIRST Rewards Gallery
- •10% bonus RP on flight bookings via FIRST Rewards Gallery
- •4X reward points on international spends
- •1% fuel surcharge waiver up to Rs. 200/month
- •Little Emperors Hotel Club Membership
Partner Benefits
- •1-Year Complimentary Lenskart Gold Max Membership (worth ₹800)
- •Flat 10% Off on Mokobara website
Special Offers & Features
- •Complimentary roadside assistance worth ₹1,399
- •Personal Accident Cover up to ₹2 Lakh
- •Reward redemption fee: ₹99 + GST per redemption
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC FIRST WOW! Black
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC FIRST WOW! Black
- • Min age: 18 years
- • Salaried: ₹50,000/month min
- • Self-employed: ₹50,000/month min
- • CIBIL: 700+ recommended
- ✓ Domestic: 4 per year
- → 1 complimentary domestic airport lounge access per quarter (4 per year)
- → Requires ₹20,000 retail spend in previous calendar month to unlock
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC FIRST WOW! Black today and unlock amazing rewards and premium experiences.
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