Build Your Credit Score Without Income with an FD Credit Card

The FIRST WOW! A Black Credit Card is one of the best FD credit card options if you want an easy entry into the world of credit. And yes, it gives off premium credit card vibes, without the tough eligibility checks.

Just open a fixed deposit, and the bank hands you a fully functional card. Simple, right? Let’s understand how this FD-backed rewards credit card works.

What is an FD-backed credit card?
 

An FD-backed credit card is a secured credit card where the bank holds a fixed deposit as collateral. Most FD backed cards only give 80-90% of the FD value as the credit limit, but IDFC FIRST Bank provides 100% of your FD value as your limit. So, instead of a credit history, your FD does the heavy lifting! Just open an FD account, fulfil the simple eligibility criteria, and the credit card becomes yours. 

Premium features of FIRST WOW! Black Credit Card
 

For a secured card, the FIRST WOW! Black Credit Card feels like a premium credit card with privileges you’d expect from higher-end options. Here’s what’s in store for you:  

1. Travel and convenience perks 
 

Some of the eye-catching benefits of this rewards credit card are:  

1. Zero forex markup on international spends 
2. Domestic airport lounge access, once per quarter; spend ₹20,000 this month to unlock the benefit for the next month 
3. Free trip cancellation coverage worth ₹10,000, which you can use on flight and hotel bookings 
4. Complimentary UPI-enabled, virtual FIRST Digital Credit Card linked to the same FD limit for seamless UPI payments 
5. Earn bonus reward points on travel bookings (flights and hotel bookings) 
6. Get high reward redemption value (1 point = ₹0.50) for any travel bookings made via the IDFC FIRST Bank mobile banking app 
   
   

2. Useful lifestyle features
 

This credit card doesn’t just offer travel perks; it also covers everyday wins. Here’s what you get: 

1. Welcome benefits worth ₹5,000+ when you pay the joining fee (attractive discounts on travel, dining, shopping) 
2. Up to 25% discount on movie ticket bookings, up to ₹100, every month on the District by Zomato app 

1% fuel surcharge waiver, up to ₹200, every month

3. Attractive rewards program
 

You earn reward points on all your transactions. Earn up to 4 reward points on everyday, international, domestic transactions, 3 reward points on UPI payments, and up to 50 bonus reward points on travel bookings. That’s not all! One reward point equals ₹0.50 for travel bookings done through the IDFC FIRST Bank mobile banking app (₹0.25 everywhere else).

4. Financial empowerment with your FD
 

One of the best aspects of this card is that it lets you spend freely while your FD keeps earning interest in the background. You don’t need to meet a tough eligibility criterion to apply. It works perfectly as a credit card for freelancers, students, homemakers, or anyone starting with no credit history or a low credit score. Use it smartly, pay on time, and it can steadily boost your credit score without the stress. 

Level up with the FIRST WOW! Black Credit Card
 

Getting a credit card doesn’t have to be a hassle. With the FIRST WOW! Black Credit Card, get the comfort of an FD and the excitement of a premium credit card in one neat package. Just apply online, link your FD, complete KYC, and you’re set. 

Manage everything from tracking expenses and earning rewards to paying directly in the app. If you’re hunting for the best FD credit card that’s simple, smooth, and rewarding, this one checks every box.