FIRST WOW! Black
IDFC FIRST Bank · Credit card

FIRST WOW! Black

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: Mastercard.

FIRST WOW! Black card artwork
Annual fee
₹750
Fee waiver
Spend ₹1,50,000 a year
Rewards
  • Travel Bookings via IDFC FIRST Bank Mobile App 1 Reward Point = ₹0.5
  • First EMI within 30 days 5% cashback
  • UPI Payments up to 1% value back
  • Hotel bookings through ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank Mobile App 16.7% Bonus Reward Points (8% value back)
  • Flight bookings through ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank Mobile App 10% Bonus Reward Points (5% value back)
  • Flights and hotels through 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App 1RP = ₹0.50
  • Everywhere else 1RP = ₹0.25

Benefits & rewards

Issuer information
Rewards
  • Travel Bookings via IDFC FIRST Bank Mobile App 1 Reward Point = ₹0.5
  • First EMI within 30 days 5% cashback
  • UPI Payments up to 1% value back
  • Hotel bookings through ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank Mobile App 16.7% Bonus Reward Points (8% value back)
  • Flight bookings through ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank Mobile App 10% Bonus Reward Points (5% value back)
  • Flights and hotels through 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App 1RP = ₹0.50
  • Everywhere else 1RP = ₹0.25
Reward cap
1000 unknown
Lounge access
Included
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹750
Joining fee
₹750
Fee waiver
Spend ₹1,50,000 in a year
Foreign purchases
0% markup on international spends
Eligibility
Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Eligibility
    Newly listed
    Age Limit Criteria: 18 to 80 years; Indian citizen with a current and permanent residential address; Link an IDFC FIRST Bank Fixed Deposit of at least ₹20,000

    Eligibility is now listed as Age Limit Criteria: 18 to 80 years; Indian citizen with a current and permanent residential address; Link an IDFC FIRST Bank Fixed Deposit of at least ₹20,000

    Verified 11 Sep 2026 · issuer page
  2. Fee waiver spend
    Changed
    ₹0 (nil)₹1,50,000

    Fee waiver spend changed from ₹0 (nil) to ₹1,50,000

    Verified 11 Sep 2026 · previous value recorded 13 Aug 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.