FIRST WOW! Black Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC First Bank
Network: Visa | Tier: Mid-Range
The FIRST WOW! Black Credit Card is a Mid-Range Visa credit card issued by IDFC FIRST Bank, best suited for FD holders seeking premium secured card with added benefits vs FIRST WOW!. FD-backed credit card designed for building credit with guaranteed approval and forex benefits. It carries a joining fee of ₹750, with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include FD-backed, Guaranteed approval, Zero forex markup, and UPI ready. Reward earnings work as follows: Base rewards on spends. New cardholders get a welcome benefit of FD-backed onboarding offer. On fees — Lounge access: Limited/no lounge access; Foreign transaction markup: 3.50% on foreign currency / DCC transactions; Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need FD-backed secured card to qualify. It falls under the Secured / Mid-Level category on CreditCardHunt.
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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 — a real advantage for fD holders seeking premium secured card with added benefits vs FIRST WOW!.
- Ideal for new-to-credit users — a highlight among IDFC FIRST Bank's mid-range lineup.
- Easy approval — a built-in advantage for cardholders.
Drawbacks of the FIRST WOW! Black Credit Card
- On the downside: requires fixed deposit.
- Lower premium benefits may not suit every applicant.
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!.
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
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- Read our credit card guides & FAQ.
Expert Rating: 4.5/5 (Credit Card Hunt editorial score)