IDFC FIRST WOW! Black Credit Card
Card Details
Card Details
- Issuer
- IDFC FIRST Bank
- Card type
- Secured
- Joining fee
- ₹750 + GST
- Annual fee
- ₹750 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- Zero Forex Markup
- Domestic Lounge Access (4/year)
- Trip Cancellation Cover ₹10,000
- Welcome Benefits Worth ₹5,000+
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹750 + GST.
- Welcome benefits worth over ₹5,000 on joining fee payment.
- Annual charges waived on ₹1.5L annual spend.
- Cash advance: 0% for up to 45 days.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Online/Offline Spends | 4 RPs / ₹150 |
| Insurance & Utility | 1 RP / ₹150 |
| UPI above ₹2,000 | 3 RPs / ₹150 |
| UPI below ₹2,000 | 1 RP / ₹150 |
| Hotels via IDFC Travel shop | 50 bonus points / ₹150 |
| Flights via IDFC Travel shop | 30 bonus points / ₹150 |
- 1 RP = ₹0.50 for travel bookings; ₹0.25 elsewhere.
- Bonus RPs on hotel/flight bookings via IDFC app.
- No RPs on fuel, EMI, cash withdrawals.
Additional Benefits
Additional Benefits
- Domestic Lounge: 1 visit/quarter (on ₹20K monthly spend).
- 25% off movies on District app (up to ₹100).
- Trip cancellation cover: ₹10,000/year (2 claims).
- Forex markup: Zero (0%).
- 1% fuel surcharge waiver.
- Insurance: ₹2L personal accident cover.
- Free FIRST Digital UPI credit card included.
Review
Review
This card is at par with some of the premium cards from other banks. Card is FD backed so easy to secure if you an existing customer. Fee is very competetive for the earn rate of the card. Take it if you can.