IDFC FIRST Bank
IDFC FIRST WOW! Black Credit Card
FD-backed premium card with 0% forex — no income proof needed
Joining fee₹750 + GST
Annual fee₹750 + GST
NetworkMastercard + RuPay virtual
Forex markup0%
LoungeYes
Best forEveryday spends
Details checked October 2026
01Rewards
| Online, offline & international spends | 4 reward points per ₹150 |
| UPI | Up to 3 points per ₹150 |
| Hotels / flights in the IDFC FIRST app | Bonus points worth 16.7% / 10% of the booking (capped at 8,000 points a month) |
Redemption: ₹0.25 per point (₹0.50 on in-app travel); ₹99 per redemption.
02Fees, benefits & charges
- Fee waiver
- Renewal waived on ₹1.5 lakh annual spend
- Welcome benefit
- Welcome benefits worth over ₹5,000
- Airport lounges
- 4 domestic visits a year (1/quarter) on ₹20,000 spend in the previous month
- Forex markup
- 0%
- Fuel
- 1% surcharge waiver on ₹200–₹5,000, capped at ₹200/cycle
- No rewards on
- Fuel, EMI, cash withdrawals
03Highlights & watch-outs
Highlights
- Approval against an FD of ₹20,000+ — no income or CIBIL check
- 0% forex markup
- Builds your credit history
Watch out for
- Credit limit equals your FD amount
- Fee unless you spend ₹1.5 lakh a year
Suits: First-time users, students and anyone rebuilding credit.
04FAQs
What is the annual fee of the IDFC FIRST WOW! Black Credit Card?
The annual fee is ₹750 + GST, and the joining fee is ₹750 + GST. Renewal waived on ₹1.5 lakh annual spend
Does the IDFC FIRST WOW! Black Credit Card offer airport lounge access?
4 domestic visits a year (1/quarter) on ₹20,000 spend in the previous month
What is the forex markup on the IDFC FIRST WOW! Black Credit Card?
The foreign currency markup is 0%.
Which spends don’t earn rewards on the IDFC FIRST WOW! Black Credit Card?
Fuel, EMI, cash withdrawals.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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