Mastercard

IDFC FIRST Bank · Credit Card

IDFC FIRST WOW! Black Credit Card

The FD-backed premium card — no income proof, zero forex.

Joining fee₹750 + GST

Annual fee₹750 + GST (waived on ₹1.5L annual spends)

Best forFD-backed premium perks

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Key benefits

Secured against your fixed deposit — no income documents needed
0% foreign exchange markup on international transactions
1 complimentary domestic airport lounge visit per quarter (on ₹20,000 monthly spends)
Annual fee waived on ₹1.5 lakh annual spends
Lost card liability protection up to ₹25,000
Keep earning FD interest while you spend on credit

How to apply

Tap Apply Now — you'll be taken to the bank's official application page via our partner link.
Enter your PAN, Aadhaar-linked mobile number and basic details.
Complete the OTP / video-KYC verification as guided by IDFC FIRST Bank.
On approval, the card is issued and dispatched — activate it from the bank's app.

Start application →