IDFC

IDFC FIRST WOW! Black Credit Card

Enjoy 0% forex markup, complimentary airport lounge access, up to 16.7% value back on travel bookings and a complimentary UPI-enabled card with the FIRST WOW! Black Credit Card. Apply now for a premium, FD-backed rewarding experience

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Issued by

IDFC

IDFC FIRST WOW! Black Credit Card image
Joining Fee₹750
Annual Fee₹750
Income₹25000
Credit Score720

Key Highlights

Travel

0% Forex Markup + 1 Complimentary Airport Lounge Access

per quarter activated by spending ₹20,000 in the previous calendar month

UPI

Earn up to 3 Reward Points per ₹150 on UPI Spends

with UPI, offline and online payments all covered

Dining

Complimentary 3-month EazyDiner Prime membership (worth ₹1,095)

plus exclusive offers, priority reservations and curated dining experiences at top restaurants

0% Forex Markup + 1 Complimentary Airport Lounge Access

per quarter activated by spending ₹20,000 in the previous calendar month

Travel

Earn 16.7% Bonus Reward Points 8% Value Back

on hotel bookings and 10% bonus reward points (5% value back) on flight bookings done via the 'FIRST Rewards Gallery' on the IDFC FIRST Bank Mobile App

Earn up to 3 Reward Points per ₹150 on UPI Spends

with UPI, offline and online payments all covered

Eligibility

Age Criteria18-80
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹750
Joining Fee OffsetUp to ₹1,500 instant discount and flat 10% off on travel bookings, 3-Month complimentary EazyDiner Prime membership worth ₹1,095, ₹500 instant voucher on your first travel booking via the IDFC FIRST Bank Mobile App
Annual Fee₹750
Annual Fee WaiverThe annual fee is waived if you spend ₹1.5 lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward = ₹0.50
Redemption Options
  • Hotel & Flights
  • Vouchers
  • Product
Earning ExclusionsFuel, EMIs, Loan, Balance Transfer, Cash withdrawal transactions, Corresponding GST
Spend ExclusionsFuel, EMIs, Loan, Balance Transfer, Cash withdrawal transactions, Corresponding GST

Benefits

All Benefits

  • Up to 4 Reward Points per ₹150 on retail spends; up to 3 Reward Points per ₹150 on UPI spends
  • 16.7% bonus RPs on hotels and 10% bonus RPs on flights via 'FIRST Rewards Gallery' on the IDFC FIRST Bank Mobile App
  • 0% Zero Forex Markup on all international transactions
  • Complimentary domestic airport lounge access (1 visit per quarter) and railway lounge access
  • 25% off (up to ₹100) on movie tickets monthly via District by Zomato

Welcome Benefits

  • 1-Year complimentary Lenskart Gold Max membership worth ₹800
  • 5% Cashback up to ₹1,000 on your first EMI within 30 days
  • ₹500 instant voucher on your first travel booking via the IDFC FIRST Bank Mobile App
  • Up to ₹1,500 instant discount and flat 10% off on travel bookings
  • 3-Month complimentary EazyDiner Prime membership worth ₹1,095

Flight Benefits

  • 10% bonus reward points (5% value back) on flight bookings done via the 'FIRST Rewards Gallery' section on the IDFC FIRST Bank Mobile App

Airport Lounge Benefits

  • 1 complimentary visit per quarter to domestic airport lounges in India. The benefit for a quarter is activated by spending ₹20,000 in the previous calendar month

Railway Lounge Benefits

  • Complimentary railway lounge access available each quarter, activated by spending ₹20,000 in the previous calendar month

Movie Ticket Benefits

  • 25% off (up to ₹100) on movie ticket bookings once per calendar month via District by Zomato. To avail the benefit in the next month, stay spend-active with at least one transaction in the current calendar month

Dining Benefits

  • Complimentary 3-month EazyDiner Prime membership (worth ₹1,095), plus exclusive offers, priority reservations and curated dining experiences at top restaurants

Fuel Surcharge Waiver Benefits

  • 1% Fuel Surcharge Waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle

Insurance Benefits

  • Personal Accident Cover: up to ₹2 Lakh
  • Lost Card Liability Protection: ₹25,000 (zero liability on fraudulent transactions once the lost card is reported)

Bank Offer

  • 24/7 Roadside Assistance worth ₹1,399
  • Exclusive golfing benefits including complimentary green fees and personalized golf lessons
  • Little Emperors Hotel Club membership with benefits at top luxury properties worldwide
  • Mastercard World privileges across travel and lifestyle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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