IDFC FIRST WOW! Black Credit Card
IDFC FIRST Bank
₹750
Joining fee
₹750
Annual fee
Waived if annual spend exceeds Rs 1,50,000.
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹15,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 600+
Estimated — not officially confirmed by the bank.
Age: 18+
Secured card requiring a fixed deposit of minimum Rs 20,000; salaried or self-employed
Lounge access
0 domestic / 0 international visits per year
Reward details
4 points per Rs 150 on online/offline spend
- 3 points per Rs 150 on UPI payments above Rs 2,000
- Up to 16.7% value-back on Hotel bookings via IDFC app
- 10% value-back on Flights via IDFC app
Welcome bonus: Reported to total over Rs 5,000 (aggregator-sourced)
Redemption
Ratio: 1 point = Rs 0.50 for travel bookings
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Appeals to frequent international travelers due to zero forex markup and travel-focused rewards; welcome benefits add perceived value — Paisabazaar
Complaints
- No international lounge access — Paisabazaar
- Bonus travel points only apply when booked via the IDFC app, not other channels — Paisabazaar
Sources
- Official — confirmed FD-backed/guaranteed-approval positioning and zero forex markup only; JS-rendered page did not return full detail content
- Aggregator — fees, eligibility, lounge, rewards, sentiment