IDFC Wow Black (FD) credit card credit card
Joining Fee:

₹750 +GST

Return Percentage:

NA

Apply Now

Credit Card Overview

IDFC FIRST Wow Black is a premium lifetime-free credit card offering strong rewards on everyday spending and exclusive lifestyle privileges. It focuses on high-value users looking for luxury perks without annual fees. With superior earn rates, travel benefits, and curated offers, it delivers premium value at zero cost.

Best Suited For:

IDFC logoIDFCRuPay

Fees and charges at a glance

Annual fee
₹750

Charged every year you keep the card

Joining fee
₹750

Paid once when you get the card, plus GST

Forex markup
0%

Extra charge on foreign spends

Interest rate
46.2% p.a.

Only if you don't pay the full bill

IDFC Wow Black (FD) credit card — Earn Categories

Where you earn more

  • Hotels via IDFC54 reward points / ₹150

    Get 4 Base points + 50 Bonus Reward Points on transactions completed on your IDFC FIRST Bank Credit Card on Flights & Hotel bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 8,000 bonus reward points can be earned per month in total.

  • Flights via IDFC34 reward points / ₹150

    Get 4 Base points + 30 Bonus Reward Points on transactions completed on your IDFC FIRST Bank Mayura Credit Card on Flights & Hotel bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 8,000 bonus reward points can be earned per month in total.

Everyday rate

  • Base Rewards4 Reward Points (reward points) / ₹150

4 more earning categories on this card

We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Fuel
  • Rent
  • Jewellery
  • EMI
  • Wallets