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IDFC FIRST Bank
IDFC FIRST WOW! Black Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Mid
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
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