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Credit Cards · India

IDFC FIRST WOW! Black Credit Card

Updated 3 Jul 2026Source-linked

The IDFC FIRST WOW! Black Credit Card is a mid credit card from IDFC FIRST Bank, with a joining fee of ₹750 + GST.

It earns up to 4 pts per ₹150 (≈0.7% value) on travel app bookings spends in the form of reward points (points).

Cardholders get 4 quarterly domestic airport lounge access, plus welcome benefits worth ₹5,000+ (lenskart gold max, eazydiner prime, 5% cashback up to ₹1,000, ₹500 voucher, discounts) as a welcome benefit.

IDFC FIRST Bank logo
IDFC FIRST WOW! Black Credit Card
Visa logo
  • Joining Fee₹750
  • Annual Fee₹750
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 4 pts per ₹150 on travel app bookings
  • Base 0.67% on other spends
Welcome Benefits
  • Welcome benefits worth ₹5,000+ (Lenskart Gold Max, EazyDiner Prime, 5% cashback up to ₹1,000, ₹500 voucher, discounts)
IDFC FIRST Bank logoIDFC FIRSTVisa logosignaturemid
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Rewards and Benefits

Rewards Rate
4 pts per ₹150 on travel app bookings
Base 0.67% on other spends.
Reward Redemption
IDFC FIRST Rewards: Up to ₹0.50 per reward point on travel bookings via the IDFC FIRST Bank app.
Welcome Benefits
Welcome benefits worth ₹5,000+ (Lenskart Gold Max, EazyDiner Prime, 5% cashback up to ₹1,000, ₹500 voucher, discounts)
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹1,50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • mid card issued by IDFC FIRST Bank.
  • Joining / annual fee of ₹750 + GST, waived on annual spends of ₹1,50,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,50,000 spend.
  • Low forex markup of 0.00% — suited to international spends.
  • Complimentary domestic airport lounge access (4/quarterly).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • Welcome benefits worth ₹5,000+ (Lenskart Gold Max, EazyDiner Prime, 5% cashback up to ₹1,000, ₹500 voucher, discounts)
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 4 pts per ₹150 on travel app bookings
    Base 4X on all spends. Up to 16.7% bonus RP on hotels / 10% on flights via IDFC FIRST app. 1 RP = ₹0.50 on travel redemptions via app.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Airport lounge access

Domestic
4 visit(s) / quarterly. Via visa, dreamfolks.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
—
Income (salaried)
—
Income (self-employed)
—

FD-backed — issued against a fixed deposit; no income/credit-score requirement.

Tagsmidsecuredpointszero forextravellounge