Joining Fee

₹750

Annual Fee

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

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

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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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