FIRST WOW! Black Credit Card
A Mastercard issued against a fixed deposit of ₹20,000 or more, ₹750 a year (waived on ₹1.5 lakh of spend), with no forex markup, 4 points per ₹150 on most spends (1 point = ₹0.25), a free RuPay card for UPI and a domestic lounge visit each quarter. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹750 plus GST Product page |
|---|---|
| Annual fee | ₹750 plus GST Product page |
| Annual fee waiver | On ₹1,50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| UPI via the free RuPay digital card: 1 point per ₹150 up to ₹2,000 a payment (3 above ₹2,000) | 1 point per ₹150 Terms | no cap on record |
| 1 point per ₹150 on insurance, FASTag, railway spends and utility bills | 1 point per ₹150 Terms | no cap on record |
| 4 points per ₹150 on online, offline and international spends | 4 points per ₹150 Terms | no cap on record |
UPI payments above ₹2,000 earn 3 points per ₹150; CardWise counts 1. No points on transactions below ₹150 or on spends above the credit limit in a billing cycle. Points do not expire.
No rewards on
- Fuel (surcharge waiver applies), EMI and cash withdrawals Terms
Benefits
- Lounges: 1 domestic airport lounge visit a quarter — ₹20,000 of spend in a calendar month unlocks the visit in the next month Product page
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹200 a statement cycle Product page
- Welcome: ₹500 off the first travel booking of ₹5,000 or more in the IDFC FIRST app, after the joining fee is paid Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- 16.7% bonus points on hotels and 10% on flights booked in the IDFC FIRST app (up to 8,000 a month) Product page
- Points are worth ₹0.50 on hotel and flight bookings in the IDFC FIRST app Product page
- Free RuPay digital card for UPI, sharing the limit and points Product page
- Trip cancellation (CFAR) cover up to ₹10,000 Product page
- 25% off movie tickets on District, up to ₹100 a month Product page
- 4 golf rounds and 12 golf lessons a year (Mastercard World) Product page
- Joining offers: up to ₹1,500 off on MakeMyTrip, 3 months of EazyDiner Prime and more Product page
- Personal accident cover of ₹2 lakh and roadside assistance worth ₹1,399 Product page
Eligibility
- A fixed deposit of at least ₹20,000 with IDFC FIRST Bank; the limit is at least 100% of the deposit Product page
- Age 18 or above Product page
- Age 80 or below Product page
- Indian citizen with a permanent address in India Product page
- No income proof or credit history needed Product page
The quotes behind the figures
44 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“Yes, the FIRST WOW! Black Credit Card comes with a joining fee (1 st year) of ₹750 + GST and an annual fee (2 nd year onwards) of ₹750 +GST.”
“Annual fee of ₹750+GST will be waived for your FIRST WOW! Black Credit Card if your total spends in an anniversary year reaches ₹1.5 lakh.”
“Forex Markup 0% On international transactions”
“1 Reward Point = 0.25 everywhere else”
“1 reward point per 150 spent on UPI transaction valued up to 2,000”
“3 reward points per 150 spent on UPI transaction valued above 2,000”
“1 Reward point per 150 spent on Insurance premium payments, FASTag Recharges,”
“Earn 1 Reward Point per ₹150 spent on utility bill, railway spends, FASTag recharges and insurance payments.”
“4 reward points per 150 spent on your online, offline and international spends”
“On eligible international spends, you earn 4 Reward Points for every ₹150 spent (same earn-rate as regular online/offline spends).”
“Transactions whose value is below 150”
“Rewards Exclusions: Fuel, EMI transactions & Cash withdrawals.”
“Fuel transactions (Fuel Surcharge waiver will be provided)”
“Joining Fee: ₹750+GST Annual Fee: ₹750+GST or ₹0 on ₹1.5 Lakh Annual Spend”
“FIRST WOW! Black Credit Card offers zero forex mark-up.”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“Joining and Annual fee is not applicable for FIRST Digital RuPay Credit Card issued with FIRST WOW! Black , Gaj: and Business Multiplier Credit Card.”
“Reward Points are earned only on spends up to your credit limit per billingcycle.”
“There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.”
“3. 3 months complimentary EazyDiner Prime Membership worth ₹1095 on payment of joining fee.”
“6. 5% cashback up to ₹1,000 on the transaction value of the first EMI done within 30 days of card generation.”
“Spend ₹20,000 in the current calendar month to avail the benefit in the next month T&C Apply”
“The Bonus Reward Points on are capped at 8,000 Reward Points per month”
“Complimentary Roadside Assistance worth ₹1,399”
“IDFC FIRST Bank offers low interest rates starting from 8.5% to 46.2% per annum.”
“Reward Redemption Fee `99 per redemption transaction*”
“4 complimentary domestic lounge accesses per year (1 per calendar quarter)”
“Get 1% Fuel Surcharge Waiver up to ₹200 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000”
“1. Get ₹500 off on your first travel booking made through the IDFC FIRST Bank mobile app, on a minimum spend of ₹5,000”
“16.7% Bonus RPs on Hotel & 10% Bonus RPs on Flight bookings through IDFC FIRST Bank Mobile App”
“Each Reward Point is worth ₹0.5 when you redeem them for hotels or flight bookings through 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App”
“The FIRST Digital RuPay Credit Card is a UPI enabled, digital only credit card, which comes complimentary with your FIRST WOW! Black credit cards.”
“Last-minute change of plans? Get reimbursed for up to ₹10,000 on non-refundable portion of hotel and flight cancellations.”
“Get 25% off up to ₹100 on movie tickets* booked through District by Zomato, once every month”
“Enjoy 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe”
“2. Instant discount of up to ₹1500 on flights, hotels, and bus bookings on MakeMyTrip.”
“Stay financially protected with a comprehensive personal accident cover of ₹2 Lakh”
“The credit limit for your FIRST WOW! Black Credit Card will be a minimum of 100% of your fixed deposit amount.”
“Link an IDFC FIRST Bank Fixed Deposit of at least ₹20,000”
“Age Limit Criteria: 18 to 80 years”
“Be an Indian citizen with a permanent address in India”
“No, you do not need a credit history or income proof to apply for the FIRST WOW! Black Credit Card.”
“Annual Fee: ₹750+GST ₹0 on ₹1.5L of annual spends Apply Now”
“No, as of now the IDFC FIRST Bank Digital RuPay Credit Card is primarily for domestic transactions within India. Worry not! FIRST WOW! Black Credit Card comes on the Mastercard network.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology