MyFinCards
FIRST WOW! Black Dual Credit Card

Joining Fee

₹750

Annual Fee

Rs. 750 (Reversed on annual spends of Rs. 1.5 Lakhs)

0
IDFC FIRST Bank
Travel
Lifestyle
Rewards
Best For: International travellers seeking zero forex markup, Individuals with no credit history looking to build credit, Homemakers, students, and freelancers without income proof, Those wanting a dual-card (physical + UPI virtual) experience

FIRST WOW! Black Dual Credit Card

Rewards Structure

Base Reward Rate

4% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,00,000 /monthly

0

Pros

  • Zero forex markup on international transactions
  • FD-backed — no income proof or credit history required
  • Complimentary UPI-enabled virtual RuPay card (dual card)
  • Up to 50 Bonus Reward Points per ₹150 on hotel bookings via app (16.7% value back)
  • Reward points never expire
  • Annual fee waived on ₹1.5 lakh annual spend
  • Welcome benefits worth ₹5,000+
  • FD continues to earn interest while card is active

Cons

  • Lounge access requires ₹20,000 spend in previous calendar month to activate
  • Digital RuPay card cannot be used for international transactions
  • Reward points at 1RP = ₹0.5 redemption capped at 1,00,000 RPs per month and 2,00,000 RPs per year
  • No reward points on fuel, EMI, and cash withdrawal transactions
  • Minimum FD of ₹20,000 required to get the card

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Bonus Reward Points capped at 8,000 per month

Lounge benefit activation requires ₹20,000 spend in current calendar month

1RP = ₹0.5 redemption only on travel bookings via IDFC FIRST Bank Mobile App; 1RP = ₹0.25 elsewhere

Only singly held FDs are eligible; jointly held, HUF, Tax Saver, or Flexi FDs are not eligible

Credit limit is minimum 100% of FD amount (lien marked on FD)

Key Benefits & Features

Complimentary Roadside Assistance worth ₹1,399 for vehicle breakdowns.

Trip Cancellation Cover: reimbursement up to ₹10,000 per year for non-refundable hotel and flight cancellations (up to 2 claims per policy period).

Complimentary UPI-enabled virtual FIRST Digital RuPay Credit Card linked to FIRST WOW! Black Credit Card. Earns 3X points on UPI spends above ₹2,000 and 1X on UPI spends ≤ ₹2,000.

Eligibility Criteria

Age Requirement

18+ Years

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

ADDRESS Proof

Proof of current and permanent residential address in India

Notable Exclusions

No reward points on fuel transactions.No reward points on EMI transactions.No reward points on cash withdrawal transactions.Utility bill payments, railway spends, FASTag recharges, and insurance payments earn only 1X reward points (not 4X).FIRST Digital RuPay Credit Card cannot be used for international online purchases.

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About FIRST WOW! Black Dual Credit Card

The IDFC FIRST Bank FIRST WOW! Black Credit Card is a premium FD-backed secured credit card designed for those who want rewarding travel and lifestyle benefits without the need for income proof or an existing credit history. Ideal for homemakers, students, freelancers, and international travellers, the card requires a minimum Fixed Deposit of ₹20,000, which serves as the credit limit base while continuing to earn interest for the cardholder. One of the card's standout features is its zero forex markup on all international transactions, making it an excellent companion for overseas travel and cross-border purchases. It also comes with a complimentary UPI-enabled virtual credit card, creating a powerful dual-card experience that covers UPI, online, and offline spends seamlessly. Cardholders enjoy welcome benefits worth over ₹5,000, including vouchers from MakeMyTrip, EazyDiner Prime membership, Lenskart Gold Max membership, and discounts on Mokobara. On the rewards front, the card offers up to 50 bonus reward points on hotel and flight bookings made through the IDFC FIRST Bank Mobile App, with 1 Reward Point redeemable for ₹0.50 on travel. Additional privileges include 4 complimentary domestic airport lounge visits per year, trip cancellation cover of up to ₹10,000, monthly movie discounts, 1% fuel surcharge waiver, personal accident insurance of ₹2 lakh, and roadside assistance worth ₹1,399. The annual fee of ₹750 is waived on annual spends of ₹1.5 lakh.

Expert Review

Our Verdict

FD-backed dual credit card with zero forex, lounge access & up to 50X bonus travel rewards.

Frequently Asked QuestionsAbout FIRST WOW! Black Dual Credit Card

FEESWhat is the joining fee and annual fee for the FIRST WOW! Black Credit Card?
The FIRST WOW! Black Credit Card comes with a joining fee of ₹750 + GST for the first year and an annual fee of ₹750 + GST from the second year onwards. The annual fee is waived if your total spends in an anniversary year reach ₹1.5 lakh.
ELIGIBILITYWhat are the eligibility criteria to apply for the FIRST WOW! Black Credit Card?
To be eligible for the FIRST WOW! Black Credit Card, you must: be between 18 to 80 years of age, be an Indian citizen with a permanent residential address in India, and have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank. No income proof or credit history is required.
ELIGIBILITYDo I need income proof or a credit history to apply for the FIRST WOW! Black Credit Card?
No, you do not need income proof or a credit history to apply for the FIRST WOW! Black Credit Card. Since it is a secured, FD-backed credit card, it is accessible to homemakers, students, freelancers, and anyone without a formal income document, as long as they can maintain a minimum Fixed Deposit of ₹20,000 with IDFC FIRST Bank.
APPLICATIONHow can I apply for the FIRST WOW! Black Credit Card?
You can apply for the FIRST WOW! Black Credit Card by following these steps: Register and verify your details on the IDFC FIRST Bank website or app, create a Fixed Deposit of at least ₹20,000, complete your KYC process, and your FIRST WOW! Black Credit Card will be ready. The entire process can be done digitally through the IDFC FIRST Bank Mobile App.
BENEFITSWhat welcome benefits do I receive on payment of the joining fee?
On payment of the joining fee, you receive welcome benefits worth over ₹5,000, including: ₹500 off on your first travel booking via IDFC FIRST Bank app (min spend ₹5,000), up to ₹1,500 instant discount on MakeMyTrip, 3-month complimentary EazyDiner Prime Membership (worth ₹1,095), flat 10% off on Mokobara website, 1-year Lenskart Gold Max Membership (worth ₹800), and 5% cashback up to ₹1,000 on your first EMI within 30 days of card generation.
INTERNATIONALWhat is the forex markup fee on international transactions with the FIRST WOW! Black Credit Card?
The FIRST WOW! Black Credit Card offers 0% forex markup on all international transactions. Whether you are travelling abroad or making international purchases from India, you pay zero forex markup fees. Additionally, you continue to earn reward points on these international spends, making it an ideal card for frequent international travellers.
BENEFITSWhat is the FIRST Digital RuPay Credit Card that comes with the FIRST WOW! Black Credit Card?
The FIRST Digital RuPay Credit Card is a UPI-enabled, digital-only virtual credit card that comes complimentary with your FIRST WOW! Black Credit Card at no extra cost. It is linked to the same account and credit limit as your FIRST WOW! Black Card, allowing you to make UPI payments seamlessly. However, it cannot be used for international transactions, which are covered by the physical Mastercard.
USAGEHow does the complimentary airport lounge access work on the FIRST WOW! Black Credit Card?
The FIRST WOW! Black Credit Card offers 4 complimentary domestic airport lounge accesses per year (1 per calendar quarter). To activate the benefit for a given month, you need to spend a minimum of ₹20,000 in the previous calendar month. Simply present your FIRST WOW! Black Credit Card at the eligible airport lounge to gain access. You can view the list of eligible lounges on the IDFC FIRST Bank website.
REWARDSWhat are the Bonus Reward Points on hotel and flight bookings?
With the FIRST WOW! Black Credit Card, you earn Bonus Reward Points on bookings made through the IDFC FIRST Bank Mobile App: 50 Bonus Reward Points per ₹150 spent on hotel bookings (16.7% value back) and 30 Bonus Reward Points per ₹150 spent on flight bookings (10% value back). These are in addition to the base 4X reward points. Bonus Reward Points are capped at 8,000 points per month.
REWARDSWhat is the value of reward points and how can I redeem them?
Reward points on the FIRST WOW! Black Credit Card can be redeemed through the IDFC FIRST Bank Mobile App at the following rates: 1 RP = ₹0.50 on travel bookings (flights and hotels) made through the IDFC FIRST Bank Mobile App, and 1 RP = ₹0.25 for all other redemptions. The higher redemption value of 1 RP = ₹0.50 is capped at 1,00,000 RPs per month and 2,00,000 RPs per year. Reward points never expire.
REWARDSDo reward points expire on the FIRST WOW! Black Credit Card?
No, there is no expiry date on the reward points accrued on your FIRST WOW! Black Credit Card. Your reward points are evergreen and will remain in your account until you choose to redeem them. This gives you the flexibility to accumulate points over time and redeem them for maximum value, especially on travel bookings through the IDFC FIRST Bank Mobile App.
REWARDSOn which transactions will I NOT earn reward points?
You will not earn reward points on fuel transactions, EMI transactions, and cash withdrawal transactions with your FIRST WOW! Black Credit Card. Additionally, the 4X reward points do not apply to utility bill payments, railway spends, FASTag recharges, and insurance payments — these categories earn only 1X reward point per ₹150 spent.
BENEFITSWhat is the minimum Fixed Deposit required to get the FIRST WOW! Black Credit Card, and what happens to my FD?
A minimum Fixed Deposit of ₹20,000 with IDFC FIRST Bank is required to get the FIRST WOW! Black Credit Card. Once the FD is created, a lien is marked on 100% of its value as security against the card. Your credit limit will be a minimum of 100% of your FD amount. Importantly, your FD continues to earn interest even while the card is active, so your savings keep growing.
INTERNATIONALCan I use the FIRST Digital RuPay Credit Card for international transactions?
No, the FIRST Digital RuPay Credit Card is primarily for domestic transactions within India and cannot be used for international online purchases. For international transactions, you should use the physical FIRST WOW! Black Credit Card, which runs on the Mastercard network, is widely accepted internationally, and offers zero forex markup on all international spends.
BENEFITSWhat other benefits and insurance covers does the FIRST WOW! Black Credit Card offer?
Beyond travel and rewards, the FIRST WOW! Black Credit Card offers: Trip Cancellation Cover with reimbursement up to ₹10,000 per year (up to 2 claims), Personal Accident Insurance of up to ₹2 lakh, Lost Card Liability Protection of ₹25,000, Complimentary Roadside Assistance worth ₹1,399, 1% Fuel Surcharge Waiver up to ₹200 per statement cycle on transactions between ₹200 and ₹5,000, and 25% off (up to ₹100) on movie tickets once a month via District by Zomato.

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