Upon payment of the joining fee for the FIRST WOW! Black Credit Card, you’ll receive welcome benefits worth over ₹5,000, including exclusive travel and lifestyle offers.

1. Get ₹500 off on your first travel booking made through the IDFC FIRST Bank mobile app, on a minimum spend of ₹5,000
2. Instant discount of up to ₹1500 on flights, hotels, and bus bookings on MakeMyTrip.
3. 3 months complimentary EazyDiner Prime Membership worth ₹1095 on payment of joining fee.
4. Flat 10% instant discount upto ₹500 on purchases on Mokobara.
5. Complimentary Lenskart Gold Max Membership for 1 year worth ₹800.
6. 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 the payment of joining fees.

For more information refer to the Privileges document.

Annual fee of ₹750+GST will be waived for your FIRST WOW! Black Credit Card if your total spends in an anniversary year reaches ₹1.5 lakh.

The FIRST WOW! Black Credit Card offers zero forex mark-up. Spend seamlessly while travelling abroad, as well as on international purchases made from India.

IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 8.5% to 46.2% per annum. Usually, other credit cards charge as high as 43.8% per annum interest rate.

Register and verify your details here. Create your fixed deposit > Complete your KYC process > Your FIRST WOW! Black Credit Card is ready! 

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.

No, you do not need a credit history or income proof to apply for the FIRST WOW! Black Credit Card.

The credit limit for your FIRST WOW! Black Credit Card will be a minimum of 100% of your fixed deposit amount.

The FIRST WOW! Black Credit Card is a secured credit card, which means it is issued against a Fixed Deposit (FD). To avail the card, you’ll need to either open a new FD or link an existing one with the bank.

Once the FD is successfully created, a lien will be marked on 100% of its value as a security against your card. After that, your FD will be linked to the FIRST WOW! Black Credit Card, and your credit limit will be set based on the FD amount, giving you enhanced spending power and all the card’s premium benefits

Only singly held Fixed Deposits are eligible for the FIRST WOW! Black Credit Card.

Fixed Deposits that are jointly held, or those opened by HUFs, partnership firms, societies, trusts, or minors, as well as Tax Saver FDs and Flexi/Auto-Sweep Deposits, are not eligible for this credit card.

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.

IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. You can check out current offers here: https://firstrewards.in/

Upon payment of the Joining Fee for the FIRST WOW! Black Credit Card, you’ll receive welcome benefits valued at over ₹5,000, including exclusive travel and lifestyle offers.

1. Get ₹500 off on your first travel booking made through the IDFC FIRST Bank mobile app, on a minimum spend of ₹5,000
2. Instant discount of up to ₹1500 on flights, hotels, and bus bookings on MakeMyTrip.
3. 3 months complimentary EazyDiner Prime Membership worth ₹1095 on payment of joining fee.
4. Flat 10% instant discount upto ₹500 on purchases on Mokobara.
5. Complimentary Lenskart Gold Max Membership for 1 year worth ₹800.
6. 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.

For more information refer to the Privileges document

Yes. With the FIRST WOW! Black Credit Card, you get 25% off up to ₹100 every month on movie ticket bookings made through District by Zomato. This benefit can be availed once per calendar month and is subject to availability on the platform.

The FIRST WOW! Black Credit Card offers zero forex mark-up. Spend seamlessly while travelling abroad, as well as on international purchases made from India.

The FIRST Digital RuPay Credit Card is a UPI enabled, digital only credit card, which comes complimentary with your FIRST WOW! Black credit cards.

No, you don’t need to pay anything extra. The FIRST Digital Credit Card is issued in a complimentary manner along with your FIRST WOW! Black Credit Card. It’s linked to the same account and allows you to make UPI payments with ease, without any additional charges.

The FIRST Digital Credit Card comes lifetime free with FIRST WOW! Black credit card, and therefore no welcome offer applies.

Yes, you'll earn reward points based on the Credit Card type and transaction amount. Some exceptions apply, such as fuel, cash and EMI transactions. Reward points can be redeemed only through the primary Credit Card.

3X rewards on UPI purchases greater than ₹2,000.

1X rewards on all UPI purchases less than or equal to ₹2,000

1X on Insurance & Utility spends irrespective of transaction amount

1X = 1 reward point per ₹150
1X Reward point = ₹ 0.25

The credit limit remains the same for your FIRST WOW! Black and the FIRST Digital RuPay Credit Card and is shared between the two.

No, as of now the IDFC FIRST Bank Digital RuPay Credit Card is primarily for domestic transactions within India.

Worry not!  FIRST WOW! Black Credit Card comes on the Mastercard network. It is widely accepted internationally and also offers zero forex markup, making your international payments smooth and hassle-free.

FIRST Digital RuPay Credit Card is a digital-only card. A physical card will not be issued.

However, your FIRST WOW! Black credit card comes as a physical card.

Yes. With FIRST WOW! Black Credit Card, you can enjoy:

-1 complimentary visits per quarter to airport lounges at airport terminals in India. Use your credit card to access Indian airport lounges.

To view the list of airport lounges, click here.

You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.

For e.g., Meet the spend criteria between 1^st to 31^st Jan 2024 to activate the benefit in Feb 2024.

For airport and railway lounges, benefits are available by default each quarter. The benefit activates if you’ve spent ₹20,000 in the previous calendar month.

With FIRST WOW! Black you get additional Bonus Reward Points on your hotels and flight bookings done through IDFC FIRST Bank Mobile app over and above the 4X base reward points.

- 30 Bonus Points per ₹150 spent on flight bookings.

- 50 Bonus Points per ₹150 spent on hotel bookings.

Click here to know more.

The Bonus Reward Points on are capped at 8,000 Reward Points per month

Bonus Reward Points will be credited by the 5th of the next calendar month post

completion of travel/check-in (in case of hotels) on the respective card account provided the account is active.

Reward points can be redeemed through the IDFC FIRST Bank mobile app:

o   1 RP = ₹0.5 on travel booking through IDFC FIRST Bank mobile app

o   1 RP = ₹0.25 everywhere else.

Redemption of 1RP= ₹0.5 is capped at 1,00,000 RPs per month and 2,00,000 RPs per year.

There is NO expiry date on the Reward Points accrued on your IDFC FIRST Bank Credit Card. Your Reward Points are evergreen.

With the FIRST WOW! Black Credit Card, you will earn reward points as follows:

o   4X reward points on all retail spends done online & offline

o   1X reward point on Utility and Insurance transactions

o   0 reward points on EMI, Cash Withdrawal, and Fuel transactions

Insurance premium payments and Utility bill payments will earn 1x reward points.  Rewards program not applicable on Fuel, EMI transactions & Cash withdrawals.

FIRST WOW! Black: Earn Bonus Reward Points on travel bookings made through the IDFC FIRST Bank mobile app:

- 30 Bonus Points per ₹150 spent on flight bookings.

- 50 Bonus Points per ₹150 spent on hotel bookings.

Capped at 8,000 Reward Points per month

Reward points can be redeemed through the IDFC FIRST Bank mobile app:

o   1 RP = ₹0.5 on travel booking through IDFC FIRST Bank mobile app

o   1 RP = ₹0.25 everywhere else.

Redemption is capped at 1,00,000 RPs per month and 2,00,000 RPs per year.

Redemption of 1RP= ₹0.5 is capped at 1,00,000 RPs per month and 2,00,000 RPs per year.

The reward points will get credited upon statement generation.

You can use your credit card points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your credit card reward points against attractive offers at https://firstrewards.in/

You will get a minimum of 100% of your Fixed Deposit (FD) amount as your Credit Limit on the FIRST WOW! Black Credit Card. The cash withdrawal limit is also set at 100% of your FD LimitCredit Limit, giving you full access to your funds.

You can simply take a quick 3-step online journey through https://idfcfr.in/iemfeq and increase your FIRST WOW! Black Credit Card limit instantly. The Credit Limit Increase can be done either by adding a new Fixed Deposit or by linking an existing Fixed Deposit with your card.

Improved credit score: Your credit score is calculated based on several factors including your credit utilization ratio. By increasing your credit cards’ credit limit, you can increase your available credit and improve your credit score if your spends don’t increase.

Increased purchasing power: A high credit card limit means more purchasing power. This can be especially beneficial when emergency costs arise or for making large purchases.

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

Yes, you can! The best part is that all ATM cash withdrawals with this credit card are interest-free for up to 45 days, with a 100% cash withdrawal limit available. Do keep in mind, however, that a cash advance fee of INR 199 + taxes is applicable per transaction, irrespective of the amount you withdraw.

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

Since the FIRST WOW! Black Credit Card is an FD-backed, the add-on card facility isn’t available. However, you can easily apply for your own FIRST WOW! Black card here. It’s an assured card for everyone!

You are eligible for CFAR (Cancel for Any Reason) if:

o   You hold the IDFC FIRST WOW! Black Credit Card

o   You made travel bookings using the card during the valid policy period

o   You have completed a minimum of 1 transaction on the credit card in the calendar month preceding the start of the policy period. For instance, spends in June 2025 will make you eligible for the policy period from 1^st July 2025 till 7^th May 2026.

Eligibility can also be confirmed by checking your card's policy coverage or by contacting IDFC FIRST Bank’s customer support.

No, you don’t need to transact every month. However, you must have completed at least 1 transaction on the credit card in the calendar month preceding the start of the policy period, and the booking must be made during the policy coverage period to be eligible for a CFAR claim. A maximum of two claims are permitted per policy year, with a maximum reimbursement of ₹10,000.

No. For the cover to apply, both booking and cancellation must occur within the defined policy period.

No, the CFAR cover is capped at ₹10,000 per policy period and cannot be enhanced. This amount can be utilised for up to two claims and is shared between the primary and add-on cardholders.

No, the CFAR benefit is included free of cost with the IDFC FIRST WOW! Black Credit Card. You do not have to pay any extra premium or subscription to avail this protection.

In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152.