IDFC FIRST WOW! Black
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST WOW! Black is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
IDFC FIRST WOW! Black is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise travel benefits.
- People who prioritise international spending.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- 4 points per ₹150 on eligible online, offline and international purchases.
- Zero forex markup; lounge visits have qualifying spend and programme limits.
- Fee waived at ₹1.5 lakh eligible annual spend; UPI reward rates have transaction conditions.
Trade-offs to understand
- Requires a fixed deposit with the issuer; approval is subject to its conditions.
- 1 point per ₹150 on utilities, insurance, railways and FASTag; fuel, EMI and cash are excluded.
- Zero forex markup; lounge visits have qualifying spend and programme limits.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- MakeMyTrip ICICI Bank Credit Card — A higher-fee option to compare for broader benefits around reward points and international spending.
- RBL Bank World Safari Lite — A higher-fee option to compare for broader benefits around reward points and international spending.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Requires a fixed deposit with the issuer; approval is subject to its conditions.
- 1 point per ₹150 on utilities, insurance, railways and FASTag; fuel, EMI and cash are excluded.
- Zero forex markup; lounge visits have qualifying spend and programme limits.
- Fee waived at ₹1.5 lakh eligible annual spend; UPI reward rates have transaction conditions.