IDFC
IDFC FIRST WOW! Black Credit Card
This is an invite only card
Apply and get ₹375 Rewards
Top Benefits
0% Forex Markup + 1 Complimentary Airport Lounge Access
per quarter activated by spending ₹20,000 in the previous calendar month
Earn up to 3 Reward Points per ₹150 on UPI Spends
with UPI, offline and online payments all covered
Best For
Dining
Travel
UPI
Expert Review
Joining / Annual Fee
Joining Fees
₹885 ( ₹750 + GST )
Annual Fees
₹885 ( ₹750 + GST )
Eligibility
Age
Criteria*
18-80 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Up to 4 Reward Points per ₹150 on retail spends; up to 3 Reward Points per ₹150 on UPI spends
- 16.7% bonus RPs on hotels and 10% bonus RPs on flights via 'FIRST Rewards Gallery' on the IDFC FIRST Bank Mobile App
- 0% Zero Forex Markup on all international transactions
- Complimentary domestic airport lounge access (1 visit per quarter) and railway lounge access
- 25% off (up to ₹100) on movie tickets monthly via District by Zomato
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward = ₹0.50
Redemption Options
- Hotel & Flights
- Vouchers
- Product
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMIs
Loan
Balance Transfer
Cash withdrawal transactions
Corresponding GST
For Spends Waiver
Fuel
EMIs
Loan
Balance Transfer
Cash withdrawal transactions
Corresponding GST
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 0% |
APR Fees Finance charges of 0.71% to 3.85% per month 8.5% to 46.2% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.85% |
ATM withdrawal ₹199 per transaction is charged on cash advances cash withdrawal using the credit card | ₹199 |
Reward Redemption Fees ₹99 redemption fee per redemption transaction | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of 2% of the payment amount (subject to a minimum of ₹500) is levied for cheque return | 2% |
Cash Payment Fees No fee is charged on cash payment | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹375 Rewards
Top Benefits
0% Forex Markup + 1 Complimentary Airport Lounge Access
per quarter activated by spending ₹20,000 in the previous calendar month
Earn up to 3 Reward Points per ₹150 on UPI Spends
with UPI, offline and online payments all covered
The smartest way to find your great credit card
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We value your time and privacy. Your details stay secure and are used only to help you.