Card Details
IDFC first wow black credit card
Card Issuer
IDFC FIRST Bank
Joining Fee
₹750
Annual Fee
₹750
Reward Type
Reward Points
Card Access
Standard
Earn Points
50 RP/₹150
on hotel bookings via IDFC FIRST app (cap 8,000 RP monthly)
30 RP/₹150
Bonus points on flight bookings via IDFC FIRST app (shared 8,000 RP monthly cap)
4 RP/₹150
Rewards on most online and offline spends
3 RP/₹150
UPI transactions above ₹2,000 via RuPay credit card
Benefits
16.7% bonus reward points on hotel bookings
- High-value travel perks on an FD-backed card
- Bonus 50 RP/₹150 on hotels and 30 RP/₹150 on flights via IDFC app
- Zero forex markup for overseas spends
- Quarterly domestic lounge access unlocked after ₹20,000 prior-month spend
- Travel bonus capped at 8,000 RP per month
- No international lounge access
0% Forex Markup
- Affordable FD-backed premium starter card
- Joining and renewal fee ₹750 + taxes
- Annual fee waiver on ₹1.5 lakh annual spends
- Requires minimum ₹20,000 IDFC FIRST Bank FD
4 RP/₹150 with UPI booster rates
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, emi, cash withdrawal
Estimated Returns
Online & offline retail spends
4 RP per Rs.150. RP worth Rs.0.25 (Rs.0.50 when redeemed for flights/hotels via app)
₹200
UPI spends above Rs.2,000
3 RP per Rs.150 on UPI transactions above Rs.2,000
₹0
UPI spends up to Rs.2,000
1 RP per Rs.150 on UPI transactions of Rs.2,000 or below
₹0
Insurance & utility payments
1 RP per Rs.150 on insurance and utility payments
₹0
Hotel bookings via FIRST Rewards Gallery
50 RP per Rs.150 on hotel bookings through Rewards Gallery
₹0
Flight bookings via FIRST Rewards Gallery
30 RP per Rs.150 on flight bookings through Rewards Gallery
₹0
Total Annual Return
₹2,401
0.67% Effective ROIThings to Keep in Mind
Hotel and flight bonus rewards apply only through the IDFC FIRST Bank mobile app and are capped at 8,000 RP per month.
Domestic lounge access requires ₹20,000 spend in the previous month to unlock each visit.
Rewards are excluded on fuel transactions, EMI conversions, fees/charges and GST, loan on card, balance transfer, cash withdrawals, and transactions below ₹150
