IDFC FIRST WOW! Black Credit Card
Fees
1st Year Fee: ₹750* Plus Applicable Taxes
Joining & annual
Reward Rate
50 reward points per ₹150 on hotel bookings and 30 points per ₹150 on flight bookings via the IDFC FIRST app (1 RP = ₹0.50 for app travel bookings, ~16.7% value-back on hotels); 4 points per ₹150 on other online/offline/overseas spends; 1 point per ₹150 on insurance premiums; 1 RP = ₹0.25 elsewhere
Welcome Bonus
N/A
Lounge
4 Domestic/yr (₹20K Monthly Spend)
Recent changes
Our Expert Take
IDFC FIRST WOW! Black is a secured travel card (backed by a fixed deposit) that still delivers real value: up to 16.7% back on travel bookings and zero forex markup are strong numbers for a card aimed at building credit history. The ₹750 first-year fee is a step up from IDFC's fully free secured options, so weigh it against how much you'll actually travel.
Pros & Cons
Key Advantages
- Up to 16.7% value-back on hotel bookings and strong value on flights, both via the IDFC FIRST app
- 0% forex markup on international spends
- 25% discount on movie tickets
- A useful option for building or repairing credit history, since it's FD-backed
Limitations
- Requires upfront collateral commitment in an IDFC FIRST Fixed Deposit to back card limits
- Standard joining fee applies, unlike the basic zero-fee unsecured variant cards
- Top travel rewards only apply when booking through IDFC FIRST's own app or channels
Key Perks & Spending Milestones
Up to 16.7% maximum value-back rewards accumulated on travel bookings
Absolute 0% Foreign Currency Exchange transaction markup fees layered natively on cross-currency international spends
25% flat discount on movie ticket bookings
Earn baseline rewards on everyday retail spending and routine category card outlays
Points tracked and redeemed through the bank's app
Spend milestone
Spend-based milestone perks and bonus points (specific thresholds not clearly disclosed; confirm with IDFC FIRST)
Fees & Charges
Joining fee
1st Year Fee: ₹750* Plus Applicable Taxes
Annual fee
1st Year Fee: ₹750* Plus Applicable Taxes
Refer to standard spend-based renewal thresholds outlined by the bank
Interest rate
Subject to standard IDFC FIRST Bank dynamic secured tier interest architectures
Late payment fee
Nil for balance up to ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1,100 for balance above ₹10,000.
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried, Self-Employed, or Unemployed — secured card requires an active IDFC FIRST Fixed Deposit as collateral
Credit score & income
New to Credit / Poor Credit History (Accessible via a Fixed Deposit benchmark)
Frequently Asked Questions
What's the real travel reward rate on IDFC FIRST WOW! Black?
What's the base reward rate on other spends?
Is IDFC FIRST WOW! Black an FD-backed card?
Compare IDFC FIRST WOW! Black Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST WOW! Black Credit Card This Card | 1st Year Fee: ₹750* Plus Applicable Taxes | 50 reward points per ₹150 on hotel bookings and 30 points per ₹150... | 4 Domestic/yr (₹20K Monthly Spend) | 4.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |