IDFC Bank Launches All New FIRST WOW! Black Credit Card

IDFC FIRST Bank has introduced a new premium fixed-deposit-backed credit card, the FIRST WOW! Black Credit Card, positioned as the upgraded and more feature-rich version of the existing IDFC WOW Credit Card. Priced at ₹750 + GST as both the joining and annual fee, the card offers strong value right from the start. Cardholders receive welcome benefits worth over ₹5000 on payment of the joining fee, with exclusive travel and lifestyle offers available through the IDFC FIRST Bank app, MakeMyTrip, EazyDiner, and other partners.

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All New Premium FD Backed Credit Card by IDFC Bank

One of the standout features is the dual-card advantage. Along with the physical FIRST WOW! Black Credit Card, customers also get a complimentary UPI-enabled RuPay Virtual Credit Card, linked directly to the same account. This makes everyday payments smoother, especially for users who prefer UPI. Additionally, cardholders can earn up to 3 times reward points, equivalent to up to 1% value back, on their UPI spends.

• Joining Fee: ₹750 + GST
• Annual Fee (Second Year Onwards): ₹750 + GST
• Annual Fee Waiver: On spends of ₹150000 in a year
• Cash Withdrawal Interest: 0% for up to 45 days
• Forex Markup: 0%

Welcome Benefits of WOW! Black Card

Cardholders can enjoy ₹500 off on their first travel booking through the IDFC FIRST Bank mobile app on a minimum spend of ₹5000, along with instant discounts of up to ₹1500 on flights, hotels, and bus bookings via MakeMyTrip.

The card also includes:

• 3 month complimentary EazyDiner Prime membership worth ₹1095
• Flat 10% discount up to ₹500 on Mokobara purchases
• Complimentary 1 year Lenskart Gold Max membership worth ₹800

Additionally, users earn 5% cashback up to ₹1000 on the first EMI transaction made within 30 days of card issuance.

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Reward Rate of IDFC WOW! Black Card

• Earn 4 Reward Points for every ₹150 spent on online and offline purchases
• Earn 1 Reward Point per ₹150 on insurance and utility payments
• No rewards on fuel spends, EMI transactions, or cash withdrawals

UPI spends:

• Earn 3 Reward Points per ₹150 on UPI transactions above ₹2000
• Earn 1 Reward Point per ₹150 on UPI transactions below ₹2000

Travel bonuses:

• Earn 50 Bonus Reward Points (16.7% value back) on every ₹150 spent on hotel bookings via the IDFC FIRST Bank Mobile App
• Earn 30 Bonus Reward Points (10% value back) on every ₹150 spent on flight bookings via the IDFC FIRST Bank Mobile App

Lifestyle Benefits

• Trip Cancellation Cover up to ₹10000 for non-refundable flight or hotel bookings
• Valid for up to 2 claims during the policy period
• 25% off up to ₹100 on movie tickets booked through District by Zomato, available 1 time per month

Bottom Line

The IDFC FIRST WOW! Black Credit Card delivers strong value for users starting their credit journey. With a fixed deposit of just ₹20000, applicants can easily qualify for the card and earn rewards across online, offline, and UPI spends.

Its 0% forex markup makes it an excellent option for users seeking an affordable international spending card without qualifying for premium travel cards.