Mastercard ★ Metal Edition 📡 Contactless NFC

IDFC FIRST WOW! Black Credit Card

Joining Fee₹750

Annual Fee₹750

Forex Markup 0% ZERO

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

International travelers, students abroad, and credit builders seeking a secured metal card with 0% forex markup, airport lounge visits, and low 9% p.a. interest rates.

Who Should Avoid

Users looking for RuPay UPI scan-and-pay support or unsecured credit lines.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Complimentary 3-month EazyDiner Prime membership + 100% cashback up to ₹500 on first transaction in 30 days

0% Forex Markup Worldwide

Zero foreign currency markup fee (0% forex) on international transactions worldwide.

100% Guaranteed FD-Backed Approval

100% guaranteed approval against Fixed Deposit of ₹20,000+ with zero income documentation.

Domestic Airport Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter (on min ₹20,000 spend in preceding month).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

4 Reward Points per ₹150 spent on regular retail purchases (0.67% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10X Reward Points (10 points per ₹150, 1.67% return) on incremental monthly spends above ₹20,000 and birthday spends; 4X Reward Points on all other spends; 0% foreign exchange markup fee

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Instant Point Checkout at 100+ Partner Merchants (1 RP = ₹0.25), IDFC FIRST Rewards Portal (Flight & Hotel Bookings, Gift Vouchers)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Cash Advances EMI Transactions Balance Transfer

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr

Annual renewal fee of ₹750 is waived off on spending ₹50,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 (Capped at ₹300/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit18 - 80 Years

Min. Monthly IncomeN/A

Min. Credit Score0 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):0.75% per month (9.0% per annum on cash advances and balances)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

Get the IDFC FIRST WOW! Black Credit Card

Annual Fee: ₹750/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, IDFC FIRST WOW! Black Credit Card has a joining fee of ₹750 and an annual renewal fee of ₹750 (plus applicable taxes).