IDFC First Bank
IDFC FIRST WOW! Black Credit Card
Data last verified: 11 October 2026
- Joining fee₹750 + GST
- Annual fee₹750 + GST
- Reward rate0.67% on most spends; 5% only at partner merchants
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- Joining fee₹750 + GST
- Annual fee₹750 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Forex markup0%
WOW Black is the step-up version of IDFC FIRST's secured WOW card. You keep at least Rs 20,000 in a fixed deposit and your credit limit equals it. Being backed by a deposit, it is easy to get and a good way to build a credit score.
It earns 4 reward points per Rs 150, about 0.67%, and 1 point per Rs 150 on insurance and utility bills. Hotel and flight bookings in the IDFC FIRST app earn bonus points, subject to a monthly cap. There is 0% forex markup, and one domestic lounge visit a quarter after Rs 20,000 spend in the previous month.
The fee is ₹750 a year, waived once you spend ₹1,50,000 in the year. Welcome extras include 3 months of EazyDiner Prime and a year of Lenskart Gold Max. The catch is a low base earn and lounge access that depends on spend.
Best for: Travellers who want zero forex on a secured card, People building a credit score, Students and new earners, Occasional domestic flyers.
01IDFC FIRST WOW! Black Credit Card Rewards and Benefits
02IDFC FIRST WOW! Black Credit Card Annual Fee and Charges
- Joining fee
- ₹750 + GST
- Annual fee
- ₹750 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹99 per request
- Forex markup
- 0%
- Interest rate
- Not published
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.67%₹134
- Back each month, ₹1,608 a year₹134
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,608
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%: 5% back, up to ₹4,000 a month
- Spending ₹12,500 or more a month: the ₹885 fee is waived
- Flyers: 4 airport lounge visits a year
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹885 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you spend a lot on UPI payments or government payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%: the 5% rate applies only there, everything else earns 0.67%
04Product Details
- Secured card issued against a fixed deposit, minimum ₹20,000
- Credit limit of 100% of the FD amount
- ₹750 joining and annual fee, renewal waived at ₹1,50,000 yearly spend
- 0% forex markup
- 4 reward points per ₹150, 1 point on insurance and utility bills
- 1 domestic lounge visit a quarter after ₹20,000 spend in the previous month
- 3 months of EazyDiner Prime and 1 year of Lenskart Gold Max
05Pros and Cons
Pros
- 0% forex markup
- Domestic lounge access on a secured card
- Fee waiver at a reachable ₹1.5 lakh
- Bonus points on travel booked in the IDFC FIRST app
Cons
- ₹750 fee if you spend under ₹1.5 lakh a year
- Base reward rate is about 0.67%
- Lounge visit needs ₹20,000 spend in the previous month
06How IDFC FIRST WOW! Black Credit Card earns Rewards
0.67% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Not stated | - | the card's terms give UPI a rate of its own we cannot read as a number |
| Online shopping | 0.67% | No cap | The card's normal rate |
| Dining and food delivery | 0.67% | No cap | The card's normal rate |
| Groceries | 0.67% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 0.67% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 5% | ₹4,000 | Only at: Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%; a single 8,000 bonus-point monthly cap is shared across both legs, so this row uses the conservative flight-leg encodingTerms: 10% bonus RP on flights and 16.7% on hotels booked via the IDFC FIRST app, capped at 8,000 bonus RP a month; in-app travel redemption at ₹0.50/point. IDFC's own savings calculator implies double these rates, the benefit copy governs |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on insurance and utility payments |
| Rent | 0.67% | No cap | The card's normal rate |
| Insurance premiums | 0.67% | No cap | The card's normal rate |
| School and college fees | 0.67% | No cap | The card's normal rate |
| Wallet top-ups | 0.67% | No cap | The card's normal rate |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these |
| Spend abroad or in a foreign currency | 0.67% | No cap | The card's normal rate |
| Everything else | 0.67% | No cap | The card's normal rate |
Terms on the base rate. 4 RP per ₹150 (~0.67%) on online and offline spends; up to 3 RP per ₹150 on UPI spends; points redeem at ₹0.25 (₹0.50 on in-app flight/hotel bookings)
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07IDFC FIRST WOW! Black Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 20,000 in the previous month for domestic lounge access. Spending abroad carries a 0% forex markup; rewards on it: 0.67% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, hotel membership, insurance cover, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle
- Golf privileges: 4 complimentary golf rounds and 12 golf lessons a year (1 round + 1 lesson per month) at partner courses
- Hotel membership: Complimentary Little Emperors Travel Tier membership (worth £299 a year), a luxury-hotel booking club with member rates and on-property benefits
- Insurance cover: Personal accident cover of ₹2,00,000, lost-card liability of ₹25,000 and roadside assistance worth ₹1,399
- Airport lounge access: 4 complimentary domestic airport lounge visits a year (1 per quarter); each visit requires ₹20,000 of spend in the preceding calendar month
- Movie ticket offers: 25% off up to ₹100 a month on movie tickets via District by Zomato, available when the card was spend-active in the previous month
08IDFC FIRST WOW! Black Credit Card Eligibility and Documents
- Age
- 18 to 80 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Fixed deposit of ₹20,000 or more (no income proof required)
09Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 18 Jun 2026 | Reduced: Movie discount gated on staying spend-activeSource: IDFC First Bank | 25% off up to ₹100, once a month | Same, but only if you transacted in the previous calendar month |
| 18 Jun 2026 | Reduced: Reward earning capped at your credit limit per cycleSource: IDFC First Bank | All eligible spends earned points | Only spends up to the credit limit per cycle earn points |
| 8 Dec 2025 | Changed: IDFC FIRST WOW! Black launchedSource: IDFC First Bank | - | - |
See this card's change history → · All card changes in June 2026 →
10Cards Similar to IDFC FIRST WOW! Black Credit Card
IDFC FIRST WOW! Black Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST WOW! Black Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹750 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹750 + GST | Lifetime free | Lifetime free |
| Rewards | 0.67% on most spends; 5% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 4 visits a year | Unlimited | Not included |
| Forex markup | 0% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST WOW! Black Credit Card Bill
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Common Questions
Is WOW Black a secured card?
Yes. It is issued against a fixed deposit of at least ₹20,000 and the limit equals your deposit.
Is the ₹750 fee waived?
Yes, the renewal fee is waived once you spend ₹1,50,000 in a year. Below that the fee plus GST is charged.
Does it give lounge access?
Yes, one domestic lounge visit a quarter if you spent ₹20,000 in the previous month.
Will it help my credit score?
Yes. Paying on time is reported to credit bureaus and builds your score.
What is the joining fee for the IDFC FIRST WOW! Black Credit Card?
The joining fee is ₹750 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST WOW! Black Credit Card?
The annual fee is ₹750 + GST.
Does the IDFC FIRST WOW! Black Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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