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Credit Card

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

Key Takeaways

You can get a credit card without a CIBIL score with the FIRST WOW! Black Credit Card by IDFC FIRST Bank.
You get travel and lifestyle benefits, including airport lounge access, zero forex markup, fuel surcharge waiver, complimentary insurance, and more.
The FIRST WOW! Black Credit Card is a secured card that requires a minimum fixed deposit of ₹20,000 and no credit history.
Your FD continues to earn interest while you get 100% of the FD value as the credit limit, along with premium perks on every transaction.

25 Mar 2026 by Team FinFIRST

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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

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Discover how to use UPI without bank account with FIRST Digital RuPay Credit Card

The Best International Travel Credit Card? Here’s Why FIRST WOW! Might Be It

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!

Frequently Asked Questions

What is the annual fee for the FIRST WOW! Black Credit Card?

The annual fee for the FIRST WOW! Black Credit Card is 750 + GST. However, the fee is reversed if you spend at least ₹1.5 lakhs in the previous year.

Can I increase the credit limit on the card?

You can book another FD or link an existing FD to the FIRST WOW! Black Credit Card to increase the credit limit.

Would I get two physical cards with the FIRST WOW! Black Credit Card?

You get one physical FIRST WOW! Black Credit Card, while the UPI enabled FIRST Digital Credit Card is issued virtually.

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.