travel
IDFC FIRST WOW! Black Credit Card
A premium secured travel card combining zero forex, dual-card UPI functionality and airport lounge access.₹750+GST; renewal waived on ₹1.5 lakh annual spend
Annual Fee
₹750+GST; renewal waived on ₹1.5 lakh annual spend
Rewards
Up to 4X on eligible spends; 16.7% bonus reward points on hotel bookings and 10% bonus on flights through the bank app
Lounge Access
4 domestic airport lounge visits/year, max 1/quarter, after ₹20,000 qualifying previous-month spend
Fuel Waiver
1%, capped at ₹200/month
Milestone
₹1.5 lakh annual spend waives renewal fee
Best For
FD-backed users wanting zero forex and premium travel privileges
Welcome Offer
Benefits worth ₹5,000+ on payment of joining fee
Type
Travel
Description
FIRST WOW! Black is the premium version of IDFC FIRST’s secured WOW range. It requires an FD of at least ₹20,000 and charges ₹750+GST as both joining and annual fee, with renewal waived after ₹1.5 lakh annual spend. The card has zero forex markup, up to 4X rewards on eligible international spends, enhanced travel redemption where 1 reward point can be worth ₹0.50, a complimentary UPI-enabled virtual RuPay companion card, and four domestic airport lounge visits annually subject to monthly spend activation. It also provides a 1% fuel surcharge waiver capped at ₹200 per month.
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