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COFFERCards. Points. Value.
IDFC FIRST Bank

IDFC FIRST Bank FIRST WOW! Black Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Points

First-year fee

One-time joining fee of ₹750 + GST

Annual fee

₹750 + GST

What it gives back

4 Reward Points per ₹150 · everyday spends

Read from 7 IDFC FIRST Bank documents, last checked 19 Oct 2026.

Apply on IDFC FIRST Bank

Our calculation

0.67% value back

Every ₹1,00,000 spent at this rate earns about 2,667 points, worth about ₹667 at the lowest value IDFC FIRST Bank states for a point.

IDFC FIRST Bank's rate: “4 Reward Points per ₹150 spent online, offline and international spends” Proof
The bank’s words

“Earn 4 Reward Points per ₹150 spent online, offline and international spends.”

IDFC FIRST Bank's point value: “1RP = ₹0.50 when you book flights and hotels through 'FIRST Rewards Gallery' (capped at 1,00,000 RPs per month and 2,00,000 RPs per year); 1RP = ₹0.25 everywhere else” Proof
The bank’s words

“Enjoy higher redemption value of 1RP = ₹0.50 when you book flights and hotels through 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App 1RP = ₹0.25 everywhere else [...] Redemption of 1RP= ₹0.5 is capped at 1,00,000 RPs per month and 2,00,000 RPs per year.”

How it compares

Compared with the cards we have read

₹750 annual fee: of the 273 other open cards whose annual fee we have read, 157 state a lower one, 5 state the same and 111 state a higher one.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

0.67% value back by our calculation: of the 49 other open cards we can work this out for, 40 return less and 9 return more.

Fees

  • Annual fee

    ₹750 + GST

  • Joining fee

    One-time joining fee of ₹750 + GST

  • Fee waiver rule

    Annual fee of ₹750+GST will be waived if your total spends in an anniversary year reaches ₹1.5 lakh

Welcome offer

  • Welcome benefit

    Premium Welcome benefits worth ₹5,000+ on joining fee payment Exclusive travel & lifestyle offers on IDFC Mall, MakeMyTrip, Eazydiner & More

Rewards

  • Reward rate

    4 Reward Points per ₹150 · everyday spends4 Reward Points per ₹150 spent online, offline and international spends.

  • Insurance spend earning

    1 Reward Point per ₹150 spent on insurance payments.

  • Reward earning on international spends

    4 Reward Points for every ₹150 spent on eligible international spends.

  • Travel earning

    16.7% Bonus Reward Points on Hotel Bookings; 10% Bonus Reward Points on Flight Bookings done on IDFC FIRST Bank Mobile application.

  • Utilities earning

    1 Reward Point per ₹150 spent on utility bill, railway spends, FASTag recharges and insurance payments.

  • Reward exclusions

    Fuel, EMI transactions & Cash withdrawals.

  • Reward caps

    Bonus Reward Points capped at 8,000 Reward Points per month; Reward Points are earned only on spends up to your credit limit per billing cycle

  • Catalogue redemption

    1RP = ₹0.50 when you book flights and hotels through 'FIRST Rewards Gallery' (capped at 1,00,000 RPs per month and 2,00,000 RPs per year); 1RP = ₹0.25 everywhere else.

  • Redeeming points for travel

    Redeem for 1 RP = ₹0.5 on Travel bookings on IDFC FIRST Bank Mobile App.

  • Point expiry

    No expiry date on the Reward Points; your Reward Points are evergreen.

Card benefits

  • Domestic lounge access

    Four complimentary domestic lounge access every year Get 1 lounge access per quarter, on spending ₹20,000 in previous month.

  • Hotel or travel programme

    Get reimbursed for up to ₹10,000 on non-refundable portion of hotel and flight cancellations (up to two claims during the policy period)

  • Dining programme

    Exclusive access and discounts across over 350 fine-dine restaurants in 16 cities, as part of the Mastercard Culinary Club programme

  • Golf

    4 complimentary golf rounds and 12 complimentary golf lessons a year.

  • Movies and entertainment

    25% off up to ₹100 every month on movie ticket bookings made through District by Zomato

Also included

  • Fuel surcharge waiver

    1% Fuel Surcharge Waiver up to ₹200 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000

  • Insurance benefit

    Personal Accident Cover ₹2 L.

  • Lost card liability

    Lost card liability of ₹25,000.

Charges

  • Forex markup

    0% on foreign currency transactions.

  • Cash advance fee

    ₹199 + taxes per transaction, irrespective of the amount you withdraw

  • Cash withdrawal limit

    100% cash withdrawal limit of your FD Value.

  • Interest on unpaid balance

    Interest rates starting from 8.5% to 46.2% per annum

  • Interest-free period

    Interest free credit for up to 45 days

  • Late payment fee

    15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)

Eligibility

  • Income requirement

    You do not need a credit history or income proof; have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank

  • Minimum age

    18 to 80 years

  • Residency

    Be an Indian citizen with a permanent address in India.

In the terms, not the brochure (1)

  • Spend that unlocks lounge visits in the next period

    Get 1 lounge access per quarter, on spending ₹20,000 in previous month.

How we know - 7 documents from IDFC FIRST Bank, checked 19 Oct 2026

7 documents from IDFC FIRST Bank, checked 19 Oct 2026.

  • Linked page on www.idfcfirst.bank.in5 Oct 2026Proof
  • Linked page on www.idfcfirst.bank.in29 Sep 2026Proof
  • Card pageProof
  • Card terms and conditionsProof
  • MITCProof
  • Key Fact StatementProof
  • Lounge access termsProof

On these lists

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₹750 a year

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