₹CardSwipe
← All cards
IDFC FIRST WOW! Black Credit Card
IDFC FIRST Bank

IDFC FIRST WOW! Black Credit Card

★ 4.0 / 5 ⓘ How we rate

FD-backed card with 0% forex and 4 airport lounge visits

✅ Verified Oct 2026 from IDFC FIRST Bank's official terms →

Joining: ₹750Annual: ₹750🎁 Up to 16.7% on travel via IDFC app
Apply Now — it's free → 🔒 You'll apply on IDFC FIRST Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🌍
0% forexon international spends
✈️
4 lounges/yeardomestic airports
🏨
Bonus pointson IDFC FIRST travel bookings
👤
Perfect for

New-to-credit travellers who want lounge access

Key benefits

  • Zero forex markup on international spends
  • 4 complimentary domestic airport lounge visits a year
  • Bonus reward points on flights & hotels booked via the IDFC FIRST app
  • Reward points on UPI payments
  • Secured against an FD from ₹20,000 — no income proof needed
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • 0% forex + lounges on an FD card
  • No credit history needed
  • Points never expire

Good to know

  • ₹750 fee
  • FD of ₹20,000+ needed
  • Best rewards only on IDFC app bookings

Quick facts

Fee waiverAnnual fee waived from year 2 on ₹1.5 lakh yearly spend
Lounge access4 domestic/year
Min. incomeNo income proof needed
Age18+ years
Credit scoreNot required
NetworkVisa
Forex markup0%
Joining fee₹750 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill0.75% – 3.85%/month (based on profile)
Foreign currency markup0%
Cash withdrawal fee₹199 per withdrawal
Late payment fee15% of amount due (₹100 – ₹1,300)
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

You may also like

Roarbank RuPay Credit Card
Roarbank × Unity SFB RuPayLifetime Free
Flipkart Axis Bank Credit Card
Axis Bank Flipkart₹500/yr
Flipkart SBI Credit Card
SBI Card Flipkart₹500/yr
Axis Bank
Magnus
Visa
Axis Bank Magnus₹12,500/yr
SBI ELITE Credit Card
SBI Card ELITE₹4,999/yr
Axis Privilege Credit Card
Axis Bank Privilege₹1,500/yr

❓ IDFC FIRST WOW! Black — common questions

Is the IDFC FIRST WOW! Black Credit Card lifetime free?

No. It has a joining fee of ₹750 and an annual fee of ₹750 (plus 18% GST). Annual fee waived from year 2 on ₹1.5 lakh yearly spend.

What rewards does the IDFC FIRST WOW! Black Credit Card give?

Up to 16.7% on travel via IDFC app. Zero forex markup on international spends.

Who is eligible for the IDFC FIRST WOW! Black Credit Card?

Minimum income: No income proof needed. Age: 18+ years. Credit score: Not required. Final approval is decided by the bank.

Does the IDFC FIRST WOW! Black Credit Card give airport lounge access?

Yes — 4 domestic/year.

What is the forex markup on the IDFC FIRST WOW! Black Credit Card?

0% on foreign currency spends (plus GST).

Who should get the IDFC FIRST WOW! Black Credit Card?

New-to-credit travellers who want lounge access.

Explore✈️ Travel Cards🌱 First Credit Card🪪 No Income Proof🔴 IDFC FIRST Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

IDFC FIRST Bank FIRST WOW! BlackApply in ~5 min
Apply Now →