IDFC FIRST WOW! Black Credit Card
IDFC FIRST Bank · Mastercard · Premium card
Adds a no-income-proof secured option with zero forex, global Mastercard acceptance, RuPay UPI and a reachable fee waiver.
New-to-credit or no-income-proof users who can back the card with a fixed deposit and want both international and UPI utility.
Terms checked 13 Sept 2026
- Annual fee
- ₹750 + GST
- Joining fee
- ₹750 + GST
- Base reward rate
- 1.3%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1.3% |
| Groceries & essentials | 1.3% |
| Dining & delivery | 1.3% |
| Travel & hotels | 1.3% |
| Beauty & wellness | 1.3% |
| Entertainment & movies | 1.3% |
| Education & family | 1.3% |
| Healthcare & pharmacy | 1.3% |
| Subscriptions & streaming | 1.3% |
| Offline store shopping | 1.3% |
| International spending | 1.3% |
| Other miscellaneous | 1.3% |
| Gold & jewellery | 1.3% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Fixed-deposit backed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹20,000 per Calendar month for the following calendar month
Spend condition: Spend ₹20,000 in the current calendar month for access in the next month.
Movies and entertainment
District · 25% discount · up to ₹100 · 1 use/month
Requires ₹1 per Calendar month for the following calendar month.
Availability: Requires at least one card transaction in the preceding calendar month..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
App hotel bonus points
Usage-based value50 bonus points per ₹150 (16.7% at the ₹0.50 travel value) on eligible app hotel bookings, in addition to the ordinary four-point earn.
Conditions: 50 bonus points per ₹150 (16.7% at the ₹0.50 travel value) on eligible app hotel bookings, in addition to the ordinary four-point earn.
App flight bonus points
Usage-based value30 bonus points per ₹150 (10% at the ₹0.50 travel value) on eligible app flight bookings, in addition to the ordinary four-point earn.
Conditions: 30 bonus points per ₹150 (10% at the ₹0.50 travel value) on eligible app flight bookings, in addition to the ordinary four-point earn.
UPI rewards above ₹2,000
Usage-based valueThree points per ₹150 on an eligible UPI transaction strictly above ₹2,000.
Conditions: Three points per ₹150 on an eligible UPI transaction strictly above ₹2,000.
UPI rewards up to ₹2,000
Usage-based valueOne point per ₹150 on an eligible UPI transaction of ₹2,000 or less.
Conditions: One point per ₹150 on an eligible UPI transaction of ₹2,000 or less.
Reduced regulated-category rewards
Usage-based valueOne point per ₹150 on utilities, railways, FASTag and insurance.
Everyday card rewards
Usage-based valueFour points per ₹150 on other eligible card purchases.
Four points per ₹150 on everyday card spend and up to three points per ₹150 on eligible UPI
Shown without a cash value16.7% bonus points on app hotels and 10% on app flights, capped at 8,000 bonus points monthly
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹750₹750 annual fee before applicable tax.
Joining fee
Cost ₹750₹750 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹750Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
Welcome benefits · 4 items
₹500 first travel-booking voucher
Recorded value ₹500Instant voucher on the first eligible travel booking through the IDFC FIRST Bank mobile app.
Conditions: Pay the applicable joining fee · Make the first eligible app travel booking · Booking and voucher terms apply
Three months of EazyDiner Prime
Recorded value ₹1,095Issuer-stated welcome membership value of ₹1,095.
Conditions: Pay the applicable joining fee · Partner activation and validity terms apply
One year of Lenskart Gold Max
Recorded value ₹800Issuer-stated welcome membership value of ₹800.
Conditions: Pay the applicable joining fee · Partner activation and validity terms apply
Conditional partner welcome offers
Shown without a cash valueMakeMyTrip discount, Mokobara discount and first-EMI cashback are disclosed but not assigned guaranteed value.
Conditions: Merchant, coupon, booking or EMI conditions apply · Actual value depends on an eligible purchase
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹20,000 per calendar month
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹1,20025% discount up to ₹100, 1 time per month. Requires at least one card transaction in the preceding calendar month.
Conditions: Spend ₹1 per calendar month
Insurance and protection · 3 items
Trip-cancellation cover up to ₹10,000 per year across two claims after prior-month activity
Shown without a cash valuePersonal-accident cover up to ₹2 lakh
Shown without a cash valueLost-card liability cover up to ₹25,000
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹200-₹5,000 transactions, capped at ₹200 per statement
Shown without a cash value
Foreign-currency charges · 2 items
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Zero forex markup on the FD-backed physical Mastercard
Shown without a cash value
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: secured. No income proof is required; the card is backed by an eligible fixed deposit. Primary cardholder age range is 18 to 80 years.
Other benefits · 2 items
Roadside assistance with issuer-stated value of ₹1,399
Shown without a cash valueComplimentary physical Mastercard plus virtual RuPay card sharing the limit
Shown without a cash value
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ Four points per ₹150 on everyday card spend and up to three points per ₹150 on eligible UPI
- ✓ 16.7% bonus points on app hotels and 10% on app flights, capped at 8,000 bonus points monthly
- ✓ Zero forex markup on the FD-backed physical Mastercard
- ✓ Lounge, movie, trip-cancellation, insurance and roadside-assistance benefits
What to watch
A fixed deposit of at least ₹20,000 is required. General rewards are worth ₹0.25 per point unless redeemed for eligible app travel at ₹0.50, and several attractive welcome offers are conditional discounts rather than guaranteed cash.
Recorded exclusions
Fuel Commute · Rent · Cash withdrawal · Emi · Fees charges · Transactions below 150 · Spend above billing cycle credit limit
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
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Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026