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Credit Card

Why Choose a Premium FD Credit Card

Key Takeaways

The FIRST WOW! Black Credit Card is a premium secured card offered against a fixed deposit.
You can enjoy welcome benefits worth more than ₹5,000 when you apply for the card and pay the joining fees.
Get attractive credit card offers on travel and lifestyle spends like movie ticket bookings, fuel surcharge waiver, no forex fee, and more.
The FIRST WOW! Black Credit Card also offers complimentary insurance coverage, adding a layer of financial security.
You earn reward points on UPI transactions, online and offline spends, and travel bookings.

25 Mar 2026 by Team FinFIRST

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Credit card swipes have become an essential part of everyday transactions. Whether you are spending on food, commute, shopping, travel, or the monthly utility bills, you can use your credit card for easy payments. But do you earn credit card reward points on every spend?

If you don’t, it is time for an upgrade and the FIRST WOW! Black Credit Card can be the right fit. With exciting credit card benefits and unmissable perks, the FIRST WOW! Black Credit Card can elevate your lifestyle.

Intrigued? Let’s decode what the card has in store for you.

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FIRST WOW! Black Credit Card - A premium choice

The FIRST WOW! Black Credit Card is a premium credit card that is issued against a fixed deposit (FD). If you are an Indian citizen with a permanent residence in India, aged 18 to 80 years, you can apply for the credit card. All you need is a minimum FD of ₹20,000, and the card would be yours.

Premium rewards for an elevated lifestyle

Whether it is a host of joining privileges or perks on travel and lifestyle, the FIRST WOW! Black Credit Card rewards offer something for everyone. Here’s a look at what’s in store for you:

1. Welcome benefits

Apply for the card, pay the joining fee, and you can unlock welcome benefits worth more than ₹5,000. Here’s what you get:

An instant voucher worth ₹500 on a minimum spend of ₹5,000 on the first flight booking done through the IDFC FIRST Bank mobile banking app

A discount of up to ₹1600 on flights, buses, and hotel bookings done through MakeMyTrip

A flat 10% off on the Mokobara website, over and above the existing offers

Complimentary 3-month membership of EazyDiner Prime worth ₹1095

Complimentary 1-year membership of Lenskart Gold Max worth ₹800

5% cashback, up to ₹1000, on the first EMI transaction done within 30 days

2. Lifestyle benefits

With the FIRST WOW! Black Credit Card, every lifestyle spend can help you earn rewards or savings. The benefits include the following:

1% fuel surcharge waiver across India with a maximum limit of ₹200 per month

25% discount, up to ₹100, on movie tickets booked through the District by Zomato mobile app. The offer is available once every month

3. Travel benefits

You can travel comfortably and economically with the card's travel benefits. The benefits include:

Zero forex markup on international spends

Up to 16.7% value back on travel bookings

1 reward point would equal ₹0.50 when redeemed for travel bookings done through the IDFC FIRST Bank mobile app

Complimentary domestic airport lounge access, once every quarter, on spending at least ₹20,000 in the previous calendar month

Complimentary trip cancellation cover, worth ₹10,000, applicable on flight and hotel bookings

4. Complimentary insurance coverage

Emergencies can strike unannounced, and when they do, the FIRST WOW! Black Credit Card comes to your rescue. Here are the complimentary insurance coverages that come with the card:

Personal accident cover of up to ₹2 lakhs

Lost card liability protection of up to ₹25,000

Roadside assistance cover worth ₹1399 for emergency assistance if your vehicle breaks down. The cover is available for up to 4 claims in a year

5. Attractive rewards program

With the FIRST WOW! Black Credit Card, you can earn accelerated reward points. Here’s how:

50 bonus reward points per ₹150 spent on hotel bookings done through the IDFC FIRST Bank mobile app

30 bonus reward points per ₹150 spent on flight bookings done through the app

Up to 4X reward points per ₹150 spent online and offline

Up to 1X reward point per ₹150 spent on utility bills, FASTag recharges, railway payments, and insurance premiums.

1 reward point would equal ₹0.50 when redeemed for travel bookings done through the IDFC FIRST Bank mobile app, ₹0.25 everywhere else

6. Other benefits

Enjoy a complimentary, UPI-enabled virtual FIRST Digital Credit Card linked to your FIRST WOW! Black Credit Card. This allows you to make seamless UPI transactions and earn up to 3X reward points, offering up to 1% value back.

That’s not all! Spend ₹1.5 lakh or more in a year and get the annual fee of ₹750 + GST waived off.

Premium benefits at an affordable price with the FIRST WOW! Black Credit Card

You cannot avoid spending money. But you do not have to miss out on credit card rewards. Choose the FIRST WOW! Black Credit Card and make it work just as hard as your money does.

Plus, the bonus that is often overlooked: responsible use will build your credit profile. Use your card smartly, pay the bills on time, and you can slowly build your credit score.

So, not just for current transactions, the FIRST WOW! Black Credit Card benefits extend to your future credit needs, too. Be smart, be responsible, and see how the card can work wonders.

Frequently Asked Questions

What is the minimum income required to apply for the FIRST WOW! Black Credit Card?

There is no minimum income criterion to apply for the FIRST WOW! Black Credit Card. You just need an FD of at least ₹20,000 to apply for the card. Plus, you should be aged between 18 and 80 years, be an Indian citizen, and have a permanent residence in India to qualify for the card.

When would the credit card rewards expire?

There is no expiry date for the rewards offered. You can redeem the rewards at any time.

Is the FIRST WOW! Black Credit Card accepted internationally?

Yes, the FIRST WOW! Black Credit Card is globally accepted. You use the card internationally without restrictions.

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.