About IDFC FIRST WOW! Black Credit Card
IDFC FIRST WOW! Black is a secured travel credit card that offers up to 16.7% value-back on travel spends. As an IDFC credit card, it is designed mainly for frequent travellers, offering accelerated rewards on hotel and flight bookings along with complimentary lounge access and zero forex mark-up. You can earn 50 bonus points per ₹150 on hotels and 30 bonus points per ₹150 on flight bookings via the IDFC FIRST mobile app, with redemption value of ₹0.50 per point for travel.
Apart from travel, the card also offers rewards on regular online and offline spends, including categories like insurance and utility payments. It also stands out among Credit Cards with the Best Welcome Bonus, as it offers benefits worth over ₹5,000 through memberships, cashback, and travel discounts for a joining fee of ₹750.
The card comes with dual network benefits, offering both Mastercard and a virtual RuPay card. You can also earn 1% value-back on UPI spends. Overall, this card is a strong option for beginners who want a secured card with higher rewards and benefits across multiple categories, especially travel.
Also Read: Best Credit Cards in India 2026
IDFC FIRST WOW! Black Credit Card Rewards Program
Reward Earning
- Earn 50 bonus points per ₹150 on hotel bookings and 30 on flights via the app
- Earn 4 reward points per ₹150 on online and offline spends
- Earn 3 reward points per ₹150 on UPI spends above ₹2,000
- Earn 1 reward point per ₹150 on UPI spends below ₹2,000
- Earn 1 reward point per ₹150 on insurance and utility payments
Reward Redemption
- Redeem points at ₹0.50 per point for flights and hotel bookings via the app
- Redeem points at ₹0.25 per point for other categories
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefits
- Get ₹500 off on your first travel booking via IDFC FIRST Bank mobile app on a minimum spend of ₹5,000
- Enjoy complimentary 3 months EazyDiner Prime membership worth ₹1,095
- Get free 1-year Lenskart Gold Max membership worth ₹800
- Earn 5% cashback (up to ₹1,000) on your first EMI transaction within the first month of card generation
- Get ₹700 off on round-trip domestic flights (₹500 off on one-way flights) via MakeMyTrip
- Get ₹800 off on hotel bookings (min ₹4,000) via MakeMyTrip
- Get ₹100 off on bus bookings (min ₹1,200) via MakeMyTrip
Also Check: Credit Cards with the Best Sign-up/Welcome Bonus
Movie Benefits
- Enjoy 25% discount on movie tickets (up to ₹100) on District by Zomato, once per month
Travel Benefits
- Enjoy zero forex mark-up fee on international spends
- Get 4 complimentary domestic airport lounge visits annually on a minimum monthly spend of ₹20,000
Also Check: Best Travel Credit Cards
Insurance Benefits
- Get complimentary roadside assistance across India up to 4 times a year (worth ₹1,399)
- Get trip cancellation cover up to ₹10,000
- Get personal accident cover up to ₹2 lakh
- Get lost card liability cover up to ₹25,000
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹200 per month on transactions between ₹200 and ₹5,000
Annual Fee Waiver
- Get annual fee waiver on spending ₹1.5 lakh in a year
Power of 2 Networks
- Get complimentary UPI-enabled RuPay virtual credit card linked to FIRST WOW! Black Credit Card with up to 3X reward points (1% value-back)
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 750 + Taxes |
| Annual Fee | Rs. 750 + Taxes |
| Finance Charges | 0.71% to 3.85% p.m. (8.5% - 46.2%) |
| Late Payment Fee | 15% of the total amount due (Min. Rs. 100 and Max. Rs. 1,300) |
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Document Required For IDFC FIRST WOW! Black Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST WOW! Black Credit Card Highlights
What do we like about this card?
- Earn accelerated reward points on everyday spends and UPI transactions
- Get 3X rewards (up to 1% value-back) on UPI via RuPay virtual credit card
- Enjoy zero forex mark-up fee on international spends
- Get complimentary domestic airport lounge access on monthly spend criteria
- Avail travel discounts on flights, hotels and bus bookings via MakeMyTrip
- Get ₹500 off on first travel booking and 5% cashback on first EMI transaction
- Enjoy complimentary memberships like EazyDiner Prime and Lenskart Gold Max
- Get movie discounts of 25% (up to ₹100) every month
- Benefit from trip cancellation cover and personal accident insurance
- Get roadside assistance across India up to 4 times a year
- Save with 1% fuel surcharge waiver on fuel spends
- Annual fee waiver on spending ₹1.5 lakh per year
Things to Know Before you apply
Get this card if:
- You are new to credit and want a secured card with all-round benefits
- You travel internationally and want zero forex charges
- You frequently spend on platforms like EazyDiner, Lenskart, or MakeMyTrip to maximize benefits
- You often book movie tickets and want savings on entertainment
Pros
- Welcome benefits worth over ₹5,000
- Zero forex markup on international transactions
- Up to 16.7% value-back on travel spends
- Up to ₹1,200 savings on movie tickets every year
- Up to 3X reward points on UPI spends
Cons
- No international airport lounge access
- Lower reward rate on utilities and insurance spends
- Bonus rewards only on bookings via IDFC FIRST app
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
Yes, the card comes with a RuPay virtual card that allows you to make UPI payments and earn rewards on them.
Yes, the card has an annual fee of ₹750 + taxes, which can be waived on spending ₹1.5 lakh in a year.
Yes, you can convert big purchases into EMIs. You also get 5% cashback (up to ₹1,000) on your first EMI transaction within 30 days.
It is a secured credit card designed for travel and lifestyle benefits. It also offers a RuPay virtual card for UPI payments and rewards on both online and offline spends, making it a good option for beginners.
Indian residents can apply by opening a fixed deposit of at least ₹20,000. This makes it suitable for those starting their credit journey.
