At a Glance
Key Benefits
Zero forex, 16.7% on travel, Rs.5K+ welcome benefits, UPI RuPay card, trip cancellation cover
Lounge Access
4 domestic lounges/year (1 per quarter), needs Rs.20K monthly spend
Eligibility
Age: 18+ years, Min FD: Rs.20,000, No income/credit score needed
Quick Details
Reward Structure
All Spends
Insurance & Utility Bills
UPI Transactions Above Rs.2,000
Hotel Bookings via IDFC App (50 Bonus RP)
Flight Bookings via IDFC App (30 Bonus RP)
Reward Calculator
Milestone Benefits
Rs.500 off on 1st travel booking via IDFC app (min spend Rs.5,000)
Spend ₹5,000
value
Instant discount up to Rs.1,500 on flights, hotels, bus via MakeMyTrip
value
3 months complimentary EazyDiner Prime Membership (worth Rs.1,095)
value
Complimentary Lenskart Gold Max Membership for 1 year (worth Rs.800)
value
Flat 10% instant discount up to Rs.500 on Mokobara purchases
value
5% cashback up to Rs.1,000 on 1st EMI within 30 days
value
Airport Lounge Access
visits per quarter
Insurance Coverage
Lost Card
₹25,000
Lost card liability coverage
Travel
₹10,000
Trip cancellation cover, up to 2 claims per year
Lifestyle Perks
Movies
1 /month
25% off (up to Rs.100) on movie tickets via District by Zomato
Other
1
Complimentary UPI-enabled RuPay virtual credit card with same limit
Other
1
Dual card network: Mastercard physical + RuPay virtual UPI card
Other
1 /month
1% fuel surcharge waiver up to Rs.200/month (Rs.200-Rs.5,000 transactions)
Quick Analysis
IDFC FIRST WOW! Black is an excellent FD-backed lifestyle card for youth and international travelers. With zero forex markup, decent rewards (up to 16.7% on travel), UPI credit integration, and Rs.5,000+ welcome benefits for just Rs.750 fee, it offers exceptional value. Perfect for students, first-time cardholders, and frequent international travelers seeking affordable premium features without income proof.
Pros
- Zero forex markup on international spends
- Welcome benefits worth Rs.5,000+ for Rs.750 fee
- Up to 16.7% value back on hotel bookings
- 4 RP per Rs.150 base rewards (2.67%)
- 4 domestic lounge visits/year (quarterly)
- UPI-enabled RuPay virtual card included
- 3 RP per Rs.150 on UPI above Rs.2,000
- Trip cancellation cover up to Rs.10,000
- FD-backed: no income/credit score needed
- 1% fuel surcharge waiver (up to Rs.200/month)
- Annual fee waived on Rs.1.5L spend
Cons
- Only Rs.750 joining/annual fee (not lifetime free)
- Requires minimum Rs.20,000 FD
- Lounge needs Rs.20K monthly spend unlock
- Only 4 domestic lounges/year (1 per quarter)
- No international lounge access
- No personal accident insurance
- Low base reward rate (0.67%)
- Limited to 2 trip cancellation claims/year
- Points worth Rs.0.25 (Rs.0.50 only for travel)
- No golf, spa, or concierge benefits
Best For
Youth, students, international travelers, first-time cardholders
Not Ideal For
Those seeking high base rewards, unlimited lounge access, or comprehensive insurance
Frequently Asked Questions
What is the minimum FD required for IDFC FIRST WOW! Black?
Is there really zero forex markup?
What are the welcome benefits?
How does the lounge access work?
What is the reward redemption value?
How do I get the annual fee waived?
Can I use this card for UPI payments?
Do I need income proof or credit score?
User Reviews
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