FIRST WOW! Black Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Mid-Range
FD-backed credit card designed for building credit with guaranteed approval and forex benefits.
Why Choose the FIRST WOW! Black Credit Card?
The FIRST WOW! Black Credit Card is a Mid-Range-tier Visa credit card issued by IDFC FIRST Bank, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for FD holders seeking premium secured card with added benefits vs FIRST WOW!. With a reward rate of Base rewards on spends and an annual fee of ₹750, it ranks among the popular Secured / Mid-Level cards in India in 2026.
New cardholders are welcomed with FD-backed onboarding offer, which adds immediate value in the first year.
FIRST WOW! Black Credit Card Fees & Charges
| Annual Fee | ₹750 |
|---|---|
| Joining Fee | ₹750 |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | 3.50% on foreign currency / DCC transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
FIRST WOW! Black Credit Card Rewards & Benefits
| Reward Rate | Base rewards on spends |
|---|---|
| Welcome Bonus | FD-backed onboarding offer |
| Lounge Access | Limited/no lounge access |
| Best For | FD holders seeking premium secured card with added benefits vs FIRST WOW! |
Key Highlights of the FIRST WOW! Black Credit Card
- FD-backed
- Guaranteed approval
- Zero forex markup
- UPI ready"
FIRST WOW! Black Credit Card Eligibility Criteria
- Age 18+
- Fixed deposit required
Minimum Income Required: FD-backed secured card
Advantages of the FIRST WOW! Black Credit Card
- No income proof needed
- Ideal for new-to-credit users
- Easy approval"
Drawbacks of the FIRST WOW! Black Credit Card
- Requires fixed deposit
- Lower premium benefits"
FIRST WOW! Black Credit Card — Frequently Asked Questions
What is the annual fee of the FIRST WOW! Black Credit Card?
The FIRST WOW! Black Credit Card has an annual fee of ₹750 and a joining fee of ₹750. New cardholders receive FD-backed onboarding offer as a welcome benefit, which helps offset the joining cost.
Does the FIRST WOW! Black Credit Card offer airport lounge access?
Yes — the FIRST WOW! Black Credit Card offers Limited/no lounge access.
Who is eligible for the FIRST WOW! Black Credit Card?
The minimum income requirement is FD-backed secured card. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the FIRST WOW! Black Credit Card?
The FIRST WOW! Black Credit Card earns Base rewards on spends. It is best suited for FD holders seeking premium secured card with added benefits vs FIRST WOW!.
Expert Rating: 4.5/5