Own Every Moment. Own FIRST WOW! Black.
The Assured, UPI Ready, Zero Forex, Travel Rich Credit Card
-
Assured FD-Backed Credit Card no credit history needed;
FD starting just ₹20,000 -
Dual Card Power UPI, Offline, Online; All Spends covered -
Zero Forex Markup Spend globally, Save on every swipe -
Up to 16% Value-Back on travel bookings via IDFC FIRST app -
Welcome Benefits ₹5,000+ for a joining fee of ₹750+GST -
No annual fee( ₹750+GST )when you spend ₹1.5 L a year
Own Every Moment. Own FIRST WOW! Black.
The Assured, UPI Ready, Zero Forex, Travel Rich Credit Card
-
Assured FD-Backed Credit Card no credit history needed;
FD starting just ₹20,000 -
Dual Card Power UPI, Offline, Online; All Spends covered
-
Zero Forex Markup Spend globally, Save on every swipe
-
Up to 16% Value-Back on travel bookings via IDFC FIRST app
-
Welcome Benefits ₹5,000+ for a joining fee of ₹750+GST
-
No annual fee
( ₹750+GST )when you spend ₹1.5 L a year
Terms and conditions
- I hereby apply for IDFC FIRST Bank Credit Card(s) and accept that IDFC FIRST Bank is entitled in its absolute discretion to accept or reject this application. I hereby give my consent to the Bank to provide me a different card, in case I am not eligible for the product applied for. I am aware that the Bank reserves the right not to return the supporting documents given by me along with the application.
- I confirm that I have read, understood, and agree to the MITC (Most Important Terms & Conditions, including Schedule of Charges), Key Fact Statements as well as the Cardmember Agreement, and I am aware they are available for reference on the IDFC FIRST Bank website.
- The finance (interest) rates applicable to a Cardholder depend on internal policy parameters of the Bank. These are final and binding, and subject to change at Bank’s discretion.
- I confirm that I have no insolvency proceedings pending against me nor have I ever been adjudicated insolvent.
- I authorise IDFC FIRST Bank and/or its associates to verify any information or otherwise at my office/residence or to contact me/ credit bureau/RBI or any other source to obtain or provide any information that may be required for confirming credit card application or maintaining my account in good credit standing.
- I hereby give my consent to IDFC FIRST Bank Limited for obtaining/authenticating/verifying my KYC details from CERSAI CKYC portal/ Aadhaar eKYC/ National Securities Depository Limited (NSDL)/ Any other service provider/ organisation as deemed fit by IDFC FIRST Bank Limited and permitted by Reserve Bank of India. I understand that as per directions of Government of India my KYC information will be updated by the bank in Central KYC Registry.
- I consent to avail the complementary insurance covers as per approved card variant. Click here for details.
- The cardmember undertakes and declares that if at any time it is discovered that there are any amounts due to the Bank against any credit facility, then the Bank shall have the absolute right to hold the No Objection Certificate (NOC) against any/all such facilities, without any prior notice.
- I authorise IDFC FIRST Bank to disclose, from time to time, relevant information relating to my personal details (name, phone number, e-mail ID, address, age, date of birth and other such information), Credit Card(s) details (including any default in payments) to credit bureaus, regulator/s, government and investigation authorities, authorised financial institutions, any parent/subsidiary, Tax authorities, affiliate and associate of IDFC FIRST Bank, and to third parties engaged by IDFC FIRST Bank, for purposes such as marketing of services, fulfillment of card offers/benefits, proper operation of Credit Card accounts and other administrative services. I hereby consent and authorize IDFC FIRST Bank and/or its affiliates and associates and/or third parties engaged by IDFC FIRST Bank to send me information through WhatsApp/SMS/email alerts/post/any other way deemed fit by the Bank or/call me on my registered mobile number for the purposes of operation of the card, send Welcome Kit/monthly statements/marketing information and offers on the card and offering of various products and services of IDFC FIRST Bank through agent(s) and/or any third party(ies) or any of the product(s) of its group companies, subsidiaries, affiliates, co-brand partners.
- I hereby declare that the details furnished in the application are true and correct to the best of my knowledge and belief and I undertake to inform IDFC FIRST Bank of any changes therein, immediately. In case any of the information is found to be false or untrue or misleading or misrepresenting, I am aware that I shall be held liable for it.
- I hereby understand & acknowledge that by engaging in the video KYC with the bank representative, I agree to allow IDFC FIRST Bank to capture my personal details (including location) & any other device information, furthermore, permitting usage of all details & recorded information for internal verification, training, and quality monitoring to enhance my account opening journey. (If Applicable)
Resend OTP
OTP has been sent to mobile XXXXX9084
Frequently Asked Questions
What welcome benefits do I receive on payment of the joining fee?
Upon payment of the Joining Fee (₹750+GST) for the FIRST WOW! Black Credit Card, you’ll receive welcome benefits valued at over ₹5,000, including exclusive travel and lifestyle offers.
- Get ₹500 off on your first travel booking made through the IDFC FIRST Bank mobile app, on a minimum spend of ₹5,000.
- Instant discount of up to ₹1500 on flights, hotels, and bus bookings on MakeMyTrip.
- 3 months complimentary EazyDiner Prime Membership worth ₹1095 on payment of joining fee.
- Flat 10% instant discount upto ₹500 on purchases on Mokobara.
- Complimentary Lenskart Gold Max Membership for 1 year worth ₹800.
- 5% cashback up to ₹1,000 on the transaction value of the first EMI done within 30 days of card generation.
Cardholder will get discount coupons and voucher through email/SMS for redemption after payment of joining fees.
How do I get 16% value back with FIRST WOW! Black Credit Card?
Book your travels through the IDFC FIRST Bank mobile app and earn bonus reward points that give you exceptional value back.
How it works:
For Hotel Bookings through IDFC FIRST Bank mobile app:
Earn 50 bonus points for every ₹150 spent
Example: Spend ₹1,000 on a hotel → Earn 333 bonus points
When redeemed @ 1Reward Point =₹0.5* , these points give you ₹167 value back
That's 16.67% value back!
For Flight Bookings through IDFC FIRST Bank mobile app:
Earn 30 bonus points for every ₹150 spent
Example: Spend ₹1,000 on a flight → Earn 200 bonus points
When redeemed @ 1Reward Point =₹0.5* , these points give you ₹100 value back
That's 10% value back!
When is the annual fees charged?
Year 1: One-time joining fee of ₹750 + GST
Year 2 onwards: Annual fee of ₹750 + GST
Pro tip: Spend ₹1,50,000 or more in an year, and your next year's annual fee is waived off
Why am I being asked to make a Fixed Deposit?
FIRST WOW! Black Credit Card is issued against a fixed deposit. That’s why, to set your credit limit, you need to create a FD. Upon successful creation of your FD, a lien will be marked on 100% of the FD value.
Once done, your FD will be linked to your FIRST WOW! Black Credit Card and your credit limit will be set.
-
Here are the benefits of a credit card backed by an FD:
- • No income proof required: Customers can obtain a credit card without providing any income proof. Besides working professionals, this is useful for homemakers, students, and freelancers.
- • Helps build credit history: Using your credit card regularly and paying off the outstanding dues on time will help create a good credit history and credit score.
- • Earn interest on fixed deposit: Cardholders can continue to earn interest on their fixed deposits, while enjoying interest free credit for up to 45 days.
What is the forex markup fee on international transactions?
The FIRST WOW! Black Credit Card offers 0% forex mark-up. Spend seamlessly while travelling abroad, as well as on international purchases made from India.
What is the eligibility criteria to apply for a FIRST WOW! Black Credit Card?
To be eligible for the IDFC FIRST WOW! Black Credit Card, you must meet the following criteria:
- • Be 18 years or above
- • Be an Indian citizen with a permanent address in India
- • Have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank.
Note: The Bank reserves the right to issue a Credit Card to the applicant based on an assessment of his/her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above credit card criteria.
More reasons
to love our
credit card
-
7x rewards on online transactions -
25% off on tickets once a month upto ₹100 -
Dining offers upto 20% across 1500 restaurants -
₹500 vouchers from Amazon/Ola/ Swiggy on spending 15K in first 3 months -
Earn cashback on EMI: 5% cashback up to ₹500 within 90 days -
Get yourself covered: Personal Accident cover of 2 Lakhs -
More offers: 50+ in-app discounts
