IDFC FIRST Bank has introduced the FIRST WOW Black Credit Card, a premium fixed-deposit–backed offering designed as an upgraded version of the popular IDFC WOW Credit Card. This new variant targets users looking for better rewards, UPI convenience, and international spending benefits—without the need for a high credit score.
With a modest fee structure and generous welcome benefits, the WOW Black Credit Card positions itself as one of the most attractive FD-backed credit cards in India for 2026.
Key Charges and Fees
Dual Card Advantage – Credit Card + UPI
One of the biggest highlights of the FIRST WOW Black Credit Card is its dual-card structure.
Cardholders receive:
- A physical Visa credit card
- A complimentary RuPay virtual credit card enabled for UPI payments
Both cards are linked to the same account, allowing users to earn rewards on UPI, online, and offline spends—a rare feature in FD-backed credit cards.
Welcome Benefits Worth Over ₹5,000
On paying the joining fee, cardholders unlock multiple lifestyle and travel benefits, including:
- ₹500 instant discount on first travel booking via the IDFC FIRST Bank app (minimum spend ₹5,000)
- Discounts of up to ₹1,500 on flights, hotels, and bus bookings via MakeMyTrip
- Complimentary 3-month EazyDiner Prime membership worth ₹1,095
- Flat 10% discount up to ₹500 on Mokobara purchases
- One-year Lenskart Gold Max membership worth ₹800
- 5% cashback up to ₹1,000 on the first EMI transaction made within 30 days
Reward Rate on IDFC WOW Black Credit Card
Regular Spends
- 4 Reward Points for every ₹150 spent on online and offline purchases
- 1 Reward Point per ₹150 on insurance and utility payments
- No rewards on fuel, EMI transactions, or cash withdrawals
UPI Spends
- 3 Reward Points per ₹150 on UPI transactions above ₹2,000
- 1 Reward Point per ₹150 on UPI transactions below ₹2,000
This makes it one of the few FD-backed cards offering meaningful rewards on UPI usage.
Travel Booking Bonus Rewards
Bookings made through the IDFC FIRST Bank Mobile App earn accelerated rewards:
- 50 Bonus Reward Points on every ₹150 spent on hotel bookings
- 30 Bonus Reward Points on every ₹150 spent on flight bookings
These bonus points translate into significantly higher value back for frequent travellers.
Lifestyle and Entertainment Benefits
The WOW Black Credit Card also includes several everyday lifestyle perks:
- Trip Cancellation Cover up to ₹10,000 for non-refundable flight or hotel bookings
- Valid for up to two claims during the policy period
- 25% discount on movie tickets booked via District by Zomato
- Maximum discount of ₹100
- Valid once per month
Why WOW Black Stands Out
- FD-backed card with easy approval
- Zero forex markup, ideal for international spends
- Rewards on UPI transactions, rare in this category
- Strong welcome benefits despite low fees
- No dependency on credit history
Bottom Line
The IDFC FIRST WOW Black Credit Card is a strong upgrade over the regular WOW card and one of the best FD-backed credit cards available in India today. With a low entry barrier, zero forex markup, UPI rewards, and valuable welcome benefits, it delivers excellent value for users starting or rebuilding their credit journey.
For those who may not qualify for premium unsecured travel cards but still want international-friendly features and everyday rewards, the WOW Black Credit Card is a compelling option.