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REWARD POINTS CARD

FIRST WOW! Black

IDFC FIRST Bank

FD-backed premium credit card with zero forex markup, bonus reward points on hotel and flight bookings via the IDFC FIRST Bank app, domestic lounge access and a complimentary UPI-enabled FIRST Digital card.

Issued against an IDFC FIRST Bank fixed deposit (lien on the FD; no add-on cards). Lounge access and the movie offer depend on prior-month spend or activity. Fuel, EMI and cash withdrawals earn no reward points.

FIRST WOW! Black
ANNUAL FEE
₹750 + GST
JOINING FEE
₹750 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Zero forex markup and up to 16.7% bonus reward points on hotel bookings via the IDFC FIRST Bank app, on an FD-backed card needing no income proof or credit history.
BEST FOR
Included: May suit people with no credit history or income proof who can place an IDFC FIRST Bank FD of at least ₹20,000 and.
Included: May suit travellers who want zero forex markup on international spends.
Included: May suit people without credit history or income proof who can open or link a qualifying FD.
Included: May suit those who book hotels or flights through the IDFC FIRST Bank app and want bonus points on them.
Limitation: People who cannot lock funds in a fixed deposit, want an add-on card may wish to compare other cards.
Limitation: Those who cannot keep money locked in a fixed deposit may wish to compare other cards.
Limitation: Those who need an add-on card for family members may wish to compare other cards.
Limitation: Those whose spends are mostly on fuel, EMIs or cash withdrawals may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Travel bonus points and the ₹0.50 redemption value apply only to hotel and flight bookings via the FIRST Rewards Gallery section of the IDFC FIRST Bank mobile app.
Condition: Lounge visits and the movie offer need spend or transaction activity in the previous calendar month; points are earned only on spends up to the credit limit per billing cycle.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
80

Fees & ownership

Joining fee
₹750 + GST
Annual / renewal fee
₹750 + GST
Fee waived at
Annual fee waived if spends reach ₹1,50,000 in an anniversary year
Forex markup
0%
Finance charge
Not stated
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per year — 4 complimentary visits a year (1 per calendar quarter) · Present the card at the airport lounge; the list of eligible airport lounges is linked on the page. · ₹20,000 spend in the previous calendar month
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Mastercard Culinary Club: access and discounts at over 350 fine-dine restaurants in 16 cities
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No reward points on fuel, EMI transactions and cash withdrawals. Utility, insurance, FASTag and railway spends earn only 1 RP per ₹150. Points are earned only on spends up to the credit limit per billing cycle.; Fuel, EMI transactions and cash withdrawals
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Zero forex markup and up to 16.7% bonus reward points on hotel bookings via the IDFC FIRST Bank app, on an FD-backed card needing no income proof or credit history.
Included: Complimentary UPI-enabled FIRST Digital virtual card linked to the same account, with a shared credit limit and a single rewards pool.
Included: Domestic airport lounge access (4 visits a year) and trip cancellation cover of up to ₹10,000, with up to two claims during the policy period.
Included: Insurance and protection include personal accident cover of up to ₹2,00,000, lost card liability cover of ₹25,000 and roadside assistance worth ₹1,399.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.