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IDFC FIRST WOW! Black Credit Card
The premium, travel-focused sibling to the base WOW! card — still FD-secured and income-proof-free, but with real airport lounge access and strong travel value-back.
Annual fee
₹750
Joining fee
₹750
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter (4 per year), unlocked by ₹20,000 spend in the current calendar month
Benefits by category
- ✈️ Travel
16.7% reward rate · Complimentary domestic and international airport lounge access
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Foreign currency markup: 0%
Benefits
- Secured against a fixed deposit — accessible without income proof or credit history
- 0% forex markup on international transactions
- Complimentary domestic and international airport lounge access
- Accelerated rewards translating to up to 16.7% value-back on travel bookings
Pros
- + Up to 16.7% value-back on travel spends
- + 0% forex markup
- + Domestic + international lounge access without an income-based application
Cons
- − FD-secured — ties up capital as collateral
- − Reward value outside travel is modest
- − Fewer independent reviews than IDFC's flagship unsecured travel cards
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