FIRST WOW! Black Credit Card
FD Backed Premium Credit Card
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.67% travel · 0.67% dining · 0.67% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs YES Bank Select Credit Card
At ₹50,000/month with 15% travel and 10% dining.
Tools for FIRST WOW! Black Credit Card holders
Frequently asked
Is the FIRST WOW! Black Credit Card worth the ₹750 fee?
It depends on your spend. The FIRST WOW! Black Credit Card earns 0.67% base reward and waives the annual fee at ₹1,50,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for FIRST WOW! Black Credit Card?
IDFC First hasn't published a hard minimum income for FIRST WOW! Black Credit Card. Approval depends on credit score, existing relationship, and employment type.
What is the forex markup on FIRST WOW! Black Credit Card?
FIRST WOW! Black Credit Card charges 0% forex markup on international transactions — this card is built for international spending.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.