Welcome Benefit: Users will get (a) instant discount voucher worth INR 1,500 from makemytrip, (b) 10% discount voucher from Mokobara, (c) 3 month complimentary membership of EazyDiner, (d) 1 year membership of Lenskart Gold, (d) 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation, (e), INR 500 voucher on user's first travel booking usind the IDFC App.
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IDFC First Wow Black Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get (a) instant discount voucher worth INR 1,500 from makemytrip, (b) 10% discount voucher from Mokobara, (c) 3 month complimentary membership of EazyDiner, (d) 1 year membership of Lenskart Gold, (d) 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation, (e), INR 500 voucher on user's first travel booking usind the IDFC App.
Milestone Benefits
Annual fee is waived on having spend eqal to more than INR 1.5 Lakh in a calendar year.
Cashback Rate
Users will get 4 reward points per Rs. 150 spent.
The value of 1 reward point = Rs 0.25.
General Cashback rate: 0.66%.
Users will get 3 reward points per Rs. 150 spent on UPI transactions above INR 2,000.
UPI Special Cashback Rate: 0.5%.
Users will get 54 rewards per INR 150 spent on IDFC App for hotel booking, these point when redeedmed on the IDFC app for hotel booking have a value of INR 0.50.
Hotel Cashback Rate: 18%.
Users will get 33 rewards per INR 150 spent on IDFC App for flight booking, these point when redeedmed on the IDFC app for flight booking have a value of INR 0.50.
Flight Cashback Rate: 11%.
Movie Benefits
Upto 25% discount once a month on movie tickets upto INR 100 on District.
Dining Benefits
None.
Other Benefits
Free cancellation for any reason insurance upto INR 10,000.
Lifetime free card (No joining/annual fees).
Zero documentation & credit score check.
100% credit limit of your FD amount.
Zero Forex mark up fees.
100% cash withdrawal of FD amount.
Complimentary roadside assistance worth INR 1399
Personal accident cover of INR 2,00,000 and Lost card liability cover of INR 25,000.
Lounge Access
4 free complimentary domestic lounge visits every year.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get (a) instant discount voucher worth INR 1,500 from makemytrip, (b) 10% discount voucher from Mokobara, (c) 3 month complimentary membership of EazyDiner, (d) 1 year membership of Lenskart Gold, (d) 5% cashback (up to ₹1000) on the first EMI done within 30 days of card generation, (e), INR 500 voucher on user's first travel booking usind the IDFC App.
Milestone Benefits
Annual fee is waived on having spend eqal to more than INR 1.5 Lakh in a calendar year.
Cashback Rate
Users will get 4 reward points per Rs. 150 spent.
The value of 1 reward point = Rs 0.25.
General Cashback rate: 0.66%.
Users will get 3 reward points per Rs. 150 spent on UPI transactions above INR 2,000.
UPI Special Cashback Rate: 0.5%.
Users will get 54 rewards per INR 150 spent on IDFC App for hotel booking, these point when redeedmed on the IDFC app for hotel booking have a value of INR 0.50.
Hotel Cashback Rate: 18%.
Users will get 33 rewards per INR 150 spent on IDFC App for flight booking, these point when redeedmed on the IDFC app for flight booking have a value of INR 0.50.
Flight Cashback Rate: 11%.
Movie Benefits
Upto 25% discount once a month on movie tickets upto INR 100 on District.
Dining Benefits
None.
Other Benefits
Free cancellation for any reason insurance upto INR 10,000.
Lifetime free card (No joining/annual fees).
Zero documentation & credit score check.
100% credit limit of your FD amount.
Zero Forex mark up fees.
100% cash withdrawal of FD amount.
Complimentary roadside assistance worth INR 1399
Personal accident cover of INR 2,00,000 and Lost card liability cover of INR 25,000.
Lounge Access
4 free complimentary domestic lounge visits every year.
Fees & Charges of
IDFC First Wow Black Credit Card
Joining Fee
INR 750 + GST
Annual Fee
INR 750 + GST
Cash Advance Fee
Cash advance transaction fees is Rs 199 (plus taxes)
Interest rate
3.6% per month (52.86% per annum).
Late Payment Fee
Late Payment Fee: 15% of Total Amount Due (minimum Rs 100 & max Rs 1250).
Foreign Currency Transactions Fee
0%
Other Fees
Reward Redemption Fee : INR 99 (plus taxes).
EMI Fees: 1% of transaction value (minimumI INR 99).
Joining Fee
INR 750 + GST
Annual Fee
INR 750 + GST
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (52.86% per annum).
Late Payment Fee
Late Payment Fee: 15% of Total Amount Due (minimum Rs 100 & max Rs 1250).
Foreign Currency Transactions Fee
0%
Other Fees
Reward Redemption Fee : INR 99 (plus taxes).
EMI Fees: 1% of transaction value (minimumI INR 99).
Fee and Charges of
IDFC First Wow Black Credit Card
Special Features
No cibil score required, applicant just need to have an FD with IDFC.
Eligibility Criteria
Applicant must be aged 18 yrs. or above.
Indian Resident.
Minimum FD : Rs 2000 (existing account holder) & Rs 5000 (others).
Speical Feature, Eligibility and Benefits of
IDFC First Wow Black Credit Card
How to apply for Credit Card?
Here are the steps on how to apply for an IDFC FIRST WOW! Black Credit Card:
Go to the IDFC FIRST Bank website and click on the "Credit Cards" tab.
Click on the "WOW! Black Credit Card" link.
Click on the "Apply Now" button.
You will need to create an account or login to your existing account.
Enter your personal and contact details.
Select the type of fixed deposit you want to create.
Fund your fixed deposit.
Complete the KYC process.
Submit your application.
The IDFC FIRST WOW! Black Credit Card is a secured credit card, which means that it is backed by a fixed deposit.
Contact Details
Toll Free No: 1860 258 2000
Whatsapp banking (for registered Nos): Number to connect: 95555 55555
Banker@idfcfirstbank.com
Account Opening and Procedure of
IDFC First Wow Black Credit Card
Product Review of
IDFC First Wow Black Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
IDFC First Wow Black Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
