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Credit Card

How Small Savings on Daily Expenses Add Up Over Time

Key Takeaways

The FIRST WOW! Black Credit Card offers a premium credit card experience at an affordable entry point.
Enjoy a rewarding lifestyle with a fuel surcharge waiver, discounts on movie ticket bookings, and complimentary insurance.
Travel perks include domestic lounge access, zero forex markup, and trip cancellation cover, and bonus reward points for travel related bookings.
Get complimentary UPI-enabled Virtual Credit Card linked to your FIRST WOW! Black Card, allowing you to make UPI transactions from day one.

25 Mar 2026 by Team FinFIRST

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Do you use your credit card for everyday spending and often wish it offered a little extra sparkle every time you tap? Something that the best credit cards offer, like bonus reward points, lifestyle privileges, and savings that actually feel useful.

If that sounds like you, then the FIRST WOW! Black Credit Card might be worth your attention. Let’s unpack what this card brings to your wallet and your world.

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Unlocking the FIRST WOW! Black Credit Card

The FIRST WOW! Black Credit Card is a fixed deposit backed credit card available to all Indian citizens aged 18 to 80 years. With an FD starting at ₹20,000, you get instant access to a premium card that works for everyday spends, travel, and UPI payments. It’s also a helpful option if you're building your credit profile or are looking for a credit card for students with minimal eligibility requirements.

Affordable entry with exciting benefits

The FIRST WOW! Black Credit Card isn’t just another swipe-and-forget card. One thing you’ll notice right away is how accessible this card is. There’s a joining fee of ₹750 + GST, and the same amount is charged yearly as an annual fee. However, you can get the annual fee waived if you spend at least ₹1.5 lakh per year.

Moreover, you unlock welcome benefits worth ₹5,000 as soon as you pay your joining fee:

● Make your first travel booking through the IDFC FIRST Bank mobile banking app and get a voucher worth ₹500 on spending at least ₹5,000

● Enjoy discounts of up to ₹1,600 on flights, buses, and hotel bookings on the MakeMyTrip app

● Get a flat 10% discount on shopping at the Mokobara website, in addition to the existing offers, one time

● Enjoy a complimentary 3-month EazyDiner Prime membership worth ₹1095

● Also enjoy a Complimentary 1-year Lenskart Gold Max membership worth ₹800

Interest-free cash withdrawals and financial control

The card offers flexibility when you need quick cash or want to manage expenses more effectively. Here’s how:

● Enjoy 0% interest on cash withdrawals for up to 45 days at a nominal withdrawal fee

● No added interest as long as dues are cleared on time

● Convert larger purchases into EMIs instantly through the IDFC FIRST Bank app

● Get 5% cashback (up to ₹1,000) on your first EMI transaction made within 30 days.

Travel benefits for smoother journeys

If you travel a few times a year, this credit card adds comfort and savings along the way. Travel perks include:

● Complimentary domestic airport lounge access once every quarter (on spending ₹20,000 in the previous month)

● Zero forex markup on international spends, which is ideal for trips abroad or foreign currency online payments

● Enjoy trip cancellation protection of up to ₹10,000 on eligible flight and hotel bookings.

● When you redeem reward points for travel bookings through the IDFC FIRST Bank app, each point carries a value of ₹0.50

● With the IDFC FIRST Bank mobile app, get 50 bonus reward points for hotel bookings, and 30 bonus reward points for flight bookings

Digital-first experience

The FIRST WOW! Black Credit Card offers hassle-free digital usage and management. Get:

● Instant digital issuance once your FD is set up

● Full app-based control to track spends, convert EMIs, redeem rewards, and manage limits

● UPI transactions with the complimentary UPI Enabled FIRST Digital Credit Card

Digital compatibility is a big deal if you’re busy, or if you want a credit card for senior citizen

parents who might prefer quick online issuance over waiting in long queues at the bank.

Everyday rewards that add value

Your daily purchases also help you earn rewards without effort. Here’s the reward structure:

● 4 reward points per ₹150 spent on retail purchases

● Up to 3 reward points per ₹150 spent on UPI

● 30 bonus reward points per ₹150 spent on flight bookings when you book through the IDFC FIRST Bank mobile app

● 50 bonus reward points for every ₹150 spent on hotel bookings made via the app

● Redeem points (1 RP = ₹0.5) for travel booking via the app

● Movie ticket discounts of 25%, up to ₹100 every month

● 1% fuel surcharge waiver (up to ₹200 monthly limits)

Some complimentary insurance benefits that make this one of the best credit card are:

● Complimentary roadside assistance worth ₹1,399 when your vehicle breaks down

● Personal accident cover capped at ₹2 lakhs

● Lost card liability protection up to ₹25,000

● Credit shield protection available up to ₹50,000

● Purchase protection cover offered up to ₹25,000

Two cards for the price of one!

Get a lifetime free UPI Enabled virtual FIRST Digital Credit Card linked to your FIRST WOW! Black Credit Card. This offers you two cards in one:

● A physical Mastercard for shopping, travel, online, and offline spending

● A virtual RuPay credit card for seamless UPI payments

The cherry on top; earn up to 3X reward points on UPI payments, giving up to 1% value back every time you scan and pay with this premium credit card.

Swipe smarter, live bigger with the FIRST WOW! Black Credit Card

The FIRST WOW! Black Credit Card quietly checks all the boxes if you’re hunting for the best credit card to level up your everyday life. This card combines travel perks, daily rewards, app-first convenience, and solid financial control, while also being easy on your pocket. Plus, it is a great and easily accessible credit card for self-employed individuals due to its FD-backed status.

With every swipe, this card adds a bit more ‘wow’ to your everyday life. So, why wait? Grab this card and unlock the possibilities it offers.

Frequently Asked Questions

Who can apply for the FIRST WOW! Black Credit Card?

Any Indian citizen aged between 18 and 80 years, with a permanent address proof in India, is eligible to apply for the card. You need an FD of at least ₹20,000 with IDFC FIRST Bank to apply for this premium credit card.

Are reward points earned on all expenses?

You earn 4X points on regular retail purchases and 1X points on utilities, railway tickets, FASTag recharges, and insurance payments. Plus, there are reward points for travel bookings too. Note that EMIs, cash withdrawals, and fuel transactions don’t earn reward points.

Is there any credit limit on the card?

Your credit limit will 100% of your fixed deposit amount. The cash withdrawal limit is also equal to your FD value, giving you complete access to the full amount.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.