Why Choose an FD Credit Card If You Have No CIBIL Score?

Getting your first credit card can feel challenging, especially if you have no credit history. On one hand, you might not qualify for the credit card without a CIBIL score. On the other hand, you need the card to build up your credit score. A catch-22 situation, isn't it? But that doesn't mean you should give up! Nor should you settle for just any credit card. 

You want a feature-rich, rewards credit card that offers premium perks. This is where the FIRST WOW! Black Credit Card comes into your story. 

FIRST WOW! Black Credit Card - Your stepping stone to credit cards

The FIRST WOW! Black Credit Card is a secured card issued against a fixed deposit. It does not require any credit score or minimum income requirement. All you need is:

a. To be between 18 and 80 years old

b. To be an Indian citizen with a current and permanent residential address

c. Make a fixed deposit (FD) of ₹20,000 or more with IDFC FIRST Bank

That’s all! You can get the credit card without a CIBIL score by paying the joining fee of ₹750 + GST.

Premium card, premium features
 

If you think that this easy-to-get card is basic, think again! The FIRST WOW! Black Credit Card comes with premium benefits. Here’s what you get -

a. Welcome benefits worth more than ₹5000 on the payment of the joining fees

b. Complimentary UPI-enabled FIRST Digital Credit Card

c. Zero forex markup on international transactions

d. Domestic airport lounge access 

e. 30 bonus reward points on flight bookings and 50 bonus points on hotel bookings per ₹150 spent on travel bookings through the IDFC FIRST Bank mobile banking app

f. 1 reward point equals ₹0.50 on travel bookings done through the app

g. 4 reward points on online, offline and international spends and up to 3 reward points on UPI transactions per ₹150 

h. 1% Fuel surcharge waiver and a 25% discount on movie ticket bookings 

i. A range of complimentary insurance coverage benefits

Your FD earns interest
 

While you enjoy the premium privileges of the FIRST WOW! Black Credit Card, your FD keeps working too. Your FD continues to earn attractive interest income on the deposited amount. Plus, you enjoy 100% of the deposit’s value as a credit limit. You can also access your credit limit as cash for all your needs, whether it be for shopping, travelling, or emergencies, without paying any interest for up to 45 days (for a small flat cash withdrawal fee).
 

FIRST WOW! Black Credit Card - Building credit for everyone
 

The FIRST WOW! Black Credit Card is for individuals from all walks of life. If you are looking for a credit card for professionals, housewives, retirees, students, or gig workers, the FIRST WOW! Black Credit Card is your one-stop solution.

Apply for the card and take your first step towards building your credit profile. While the card establishes your credit history, regular bill payments help build a good credit score. All you need to do is:  

a. Use the card smartly 

b. Avoid missing the due dates

c. Keep your credit usage limited

Your credit score would thank you.
 

Building credit, smartly and efficiently
 

Your search for a credit card without a CIBIL score ends with the FIRST WOW! Black Credit Card. Apply for the rewards credit card, and you won’t have to choose between building credit and enjoying premium benefits. 

Unlock travel and lifestyle benefits, and use the card responsibly to build a clean credit history. Over time, applying for credit will become a breeze!