cards / mid / idfc-first-wow-black
IDFC FIRSTUnknownmid-tier

IDFC FIRST WOW! Black Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 750/yr
joining fee₹ 750
base earn rate1.33 / ₹100
rewards inReward Points
forex markup0%

✓ best for

Flights & Hotels

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else1.33 / ₹100
Flights & Hotels20 / ₹100
Insurance Premiums0.67 / ₹100
Utilities & Bills0.67 / ₹100
UPI Payments0.5 / ₹100

benefits & perks

Domestic Lounge Access

4 Free Visits Each Year, Max One Every Quarter. Unlock by Spending ₹20,000 in the Previous Month

unlocks at ₹ 20,000/yr

Trip Cancellation Cover~₹ 10,000/yr

Trip Cancellation Cover Up to ₹10,000 Each Year

Movie & Dining

25% Off Up to ₹100 on Movie Ticket Bookings Via District by Zomato (Benefit Can Be Availed on Spending ₹20,000 in the Previous Month)

unlocks at ₹ 20,000/yr

Personal Accident Cover~₹ 2,00,000/yr

Personal Accident Cover Up to ₹2 Lakh

Fuel Surcharge Waiver

1% Fuel Surcharge Waiver on Fuel Transactions Between ₹200 and ₹5,000

Welcome Benefits~₹ 5,000/yr

Discounts, Complimentary Memberships, Cashback, and More Worth Over ₹5,000

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