IDFC FIRST WOW! Black Credit Card on PhonePe
Yes, but only its standard rate: the IDFC FIRST WOW! Black Credit Card gives 0.33% back on PhonePe, the same as most other spends.
On PhonePe
0.33%
Other spends
1.33%
Rank for PhonePe
#100 of 149
Annual fee
1st Year Fee: ₹750* Plus Applicable Taxes
What to know before you pay on PhonePe
How it works
4 points per ₹150 on online, offline and international spends, worth 1.33% when points go to flights or hotels in the IDFC FIRST app (₹0.50 each), or 0.67% elsewhere (₹0.25). UPI under ₹2,000 earns 1 point per ₹150.
Caps & rules
- 4 reward points per ₹150 online, offline and international; 3 per ₹150 on UPI above ₹2,000, 1 per ₹150 below.
- 1 point = ₹0.50 on flights and hotels in the IDFC FIRST app ('FIRST Rewards Gallery'), ₹0.25 elsewhere.
- Extra 16.7% bonus points on hotels and 10% on flights booked in the app.
- Zero forex markup.
No rewards on
Fuel, EMI, ATM cash withdrawals
Checked 2026-10-11 · Bank terms
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Where else the IDFC FIRST WOW! Black Credit Card earns more
Questions
Does the IDFC FIRST WOW! Black Credit Card give rewards on PhonePe?
Yes, but only its standard rate: the IDFC FIRST WOW! Black Credit Card gives 0.33% back on PhonePe, the same as most other spends.
Is there a limit on IDFC FIRST WOW! Black Credit Card rewards?
4 reward points per ₹150 online, offline and international; 3 per ₹150 on UPI above ₹2,000, 1 per ₹150 below. 1 point = ₹0.50 on flights and hotels in the IDFC FIRST app ('FIRST Rewards Gallery'), ₹0.25 elsewhere. Extra 16.7% bonus points on hotels and 10% on flights booked in the app. Zero forex markup.
Which credit card is best for PhonePe?
PhonePe SBI Card SELECT BLACK gives the most on PhonePe, 10% back. The IDFC FIRST WOW! Black Credit Card ranks #100 of 149 cards we compared.