Indian residents planning to start their credit journey can apply for this credit card. You are required to open an FD account with a minimum of Rs. 20,000 to avail this credit card.
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IDFC FIRST
IDFC FIRST WOW! Black Credit Card
Travel
Movies
Rewards
1st Year Fee: ₹750* Plus Applicable Taxes
Rewards
16.7% savings on travel
Travel
Zero forex markup fee
Movies
25% off on movie tickets
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About IDFC FIRST WOW! Black Credit Card
IDFC FIRST WOW! Black is a secured card with up to 16.7% value-back on travel spends. This card primarily caters to frequent travellers with accelerated rewards on travel spends, complimentary lounge access & zero forex markup fee. The card offers 50 bonus points for every Rs. 150 spent on hotels & 30 bonus points for every Rs. 150 spent on flight bookings through IDFC FIRST’s mobile app. Cardholders can redeem the accumulated reward points at a value of 1 RP = Rs. 0.50 against travel bookings and save significantly on their travel spends.
Besides travel, this credit card also offers accelerated reward points on other online & offline spends, along with a base reward rate on often-excluded categories, such as insurance and utility bills. Another thing that makes this card stand out is the joining benefits. At a joining fee of Rs. 750, this card offers joining benefits worth more than Rs. 5,000 through complimentary memberships, bonus cashback, and discounts on travel bookings.
The card also offers dual network benefits with Mastercard and RuPay. Cardholders will receive a complimentary virtual RuPay card & earn 1% value-back on UPI spends as well. Overall, this credit card turns out to be an all-rounder option for consumers planning to start their credit journey but are not eligible for unsecured cards. While most secured credit cards offer basic benefits, this card stands out with higher value-back and decent benefits across multiple categories.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit IDFC FIRST Bank’s website.
Rewards Program
Reward Earning
- 50 bonus reward points for every Rs. 150 spent on hotel bookings via IDFC FIRST Bank mobile app
- 30 bonus reward points per Rs. 150 spent on flight bookings via IDFC FIRST Bank mobile app
- 4 reward points per Rs. 150 spent online and offline
- 3 reward points per Rs. 150 spent on UPI spends above Rs. 2,000
- 1 reward point per Rs. 150 spent on UPI spends below Rs. 2,000
- 1 reward point per Rs. 150 spent on insurance and utility bill payments1
Reward Redemption
- Reward redemption at a value of 1 RP = Rs. 0.50 against flights and hotel bookings through IDFC FIRST Bank mobile app
Other Features & Benefits
Welcome Benefits
- Rs. 500 off on first travel booking via IDFC FIRST Bank mobile app, on a minimum spend of Rs. 5,000
- Complimentary 3 months EazyDiner Prime Membership worth Rs. 1,095
- Free 1-year Lenskart Gold Max Membership worth Rs. 800
- 5% cashback, up to Rs. 1,000 on 1st EMI transaction within the first month of card generation
- Rs. 700 off on a min. value of Rs. 7,000 for round-trip domestic flights on MakeMyTrip (Rs. 500 off on one-way flight booking of Rs. 5,000 or above)
- Rs. 800 off on a min. value of Rs. 4,000 for hotel bookings on MakeMyTrip
- Rs. 100 off on a min. value of Rs. 1,200 for bus bookings on MakeMyTrip
Movie Benefits
- 25% discount on movie tickets, up to Rs. 100 on the District by Zomato mobile app, once per month
IDFC FIRST WOW! Black Credit Card: Fees & 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) |
Things to Know Before you apply
Get this card if:
You are a new-to-credit and looking for an all-rounder secured card to start your credit card journey
You are a frequent international traveller looking for a credit card with zero forex markup fee
You frequently spend at EazyDiner, Lenskart, and MakeMyTrip to maximize welcome benefits
You frequently watch movies and prefer to book tickets through the District app
Eligibility Criteria
Age Requirement: 18 years or above
Occupation: Salaried or Self-employed
Minimum FD amount: Rs. 20,000
Paisabazaar Review
What do we like about this card?
IDFC FIRST WOW! Black Credit Card mainly focuses on travel and lifestyle benefits. With zero forex markup fee, up to 16.7% rewards on travel spends, and complimentary lounge access, this credit card is a suitable option for frequent travellers. Additionally, cardholders can earn accelerated rewards on UPI transactions, making it more valuable for day-to-day spends as well. Another thing that makes this card stand out is the welcome benefits worth more than Rs. 5,000 through free memberships, bonus cashback & discount on travel spends. While this card is well-suited for international travellers, it does not offer international lounge access. However, this isn’t a major drawback, as most secured cards come with only basic benefits, making this card an all-rounder option with decent benefits across multiple categories.
Pros
- Up to 16.7% value-back on travel spends
- Zero forex Markup Fee
- Welcome benefits worth more than Rs. 5,000
- Up to Rs. 1,200 discount on movie tickets every year
- Up to 3X reward points on UPI spends
Cons
- No international airport lounge access benefit
- Low base reward rate on utilities/insurance
- Bonus reward points are offered only on bookings via IDFC FIRST app
Frequently Asked Questions
Everything you need to know about this credit card
IDFC FIRST WOW! Black is a secured credit card primarily focused on travel & lifestyle, offering value on everyday purchases. Additionally, this card offers benefits such as a UPI-enabled RuPay virtual card, accelerated reward points on online/offline spends, making it a decent choice for consumers who want to start their credit journey with a secured card.
Yes, IDFC FIRST WOW! Black Credit Card comes with a Rs. 750 annual fee + Taxes, which can be waived off on spending Rs. 1.5 Lakh in a year, making this card a cost-effective choice for the regular consumers.
Yes, transactions can be converted into EMIs at the bank’s applicable interest rate. The card also offers 5% cashback up to Rs. 1,000 on the first EMI transaction made within 30 days.
The application can be completed online through the IDFC FIRST Bank website by opening an FD account, or you can also visit the nearest branch.
Footnotes
- Reward exclusion: Fuel transactions (Fuel Surcharge waiver will be provided), Transactions converted into EMI, Fee or Charges and the corresponding GST, Loan on Card, Balance Transfer, Cash withdrawal transactions, Transactions whose value is below Rs. 150.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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