Skip to content
Milled metal and paper — the material a card is made from.

IDFC FIRST Bank Black Wow Standalone

IDFC FIRST Bank

Annual / renewal fee

₹750 (plus GST), 2nd year onwards.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Earn rate

  • Up to 16.7% Bonus Rewards Points on travel bookings via IDFC FIRST app.
  • Hotel bookings through IDFC FIRST Bank mobile app: 16.7% Bonus reward points.
  • Flight bookings through IDFC FIRST Bank mobile app: 10% Bonus reward points. 7x rewards on online transactions.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-08-18
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at idfcfirst.bank.in — if a different card is shown first, use its card selector to pick this one.

Overview

Black Wow Standalone by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

₹750 (plus GST).

VerifiedMITC – Most Important Terms & Conditions (covers FIRST WOW! Black)18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Annual / renewal fee

₹750 (plus GST), 2nd year onwards.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Fee waiver

Confirm on the official page

Official source not yet captured

Renewal fee

Year 2 onwards: Annual fee of ₹750 + GST.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Rewards

  • Up to 16.7% Bonus Rewards Points on travel bookings via IDFC FIRST app.
  • Hotel bookings through IDFC FIRST Bank mobile app: 16.7% Bonus reward points.
  • Flight bookings through IDFC FIRST Bank mobile app: 10% Bonus reward points. 7x rewards on online transactions.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM IST

Redemption value

  • Each Reward Point is worth ₹0.50 when redeemed for hotels or flight bookings through 'FIRST Rewards Gallery' on IDFC FIRST Bank Mobile App.
  • All other redemptions valued at ₹0.25 per point.
  • Reward redemption fee of ₹99 per redemption transaction applies.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Travel & lounge

Lounge access

  • Up to 1 complimentary domestic airport lounge visit per quarter at select Indian airports.
  • Requires minimum monthly spend of ₹20,000 (spends in a calendar month count towards next month's access).
  • Access via FIRST WOW!
  • Black / DreamFolks Card with valid boarding pass.
  • ₹2 verification charge on card.
  • Shared between primary and add-on cardholders.

VerifiedFIRST WOW! Black Credit Card Privileges / Rewards & Program Terms18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Travel benefit

  • Trip Cancellation Cover: eligible cardholders can receive reimbursement upon cancellation for non-refundable amount of flight/hotel bookings made on the card.
  • Eligible cover ₹10,000 for flight & hotel booking (fungible between the two), usable across a maximum of two transactions during policy period (8th May'25 or policy issuance date till 7th May'26).
  • Cancel For Any Reason benefit requires cancellation at least 24 hours before scheduled travel.
  • Applicable only for eligible customers with min 1 transaction in preceding calendar month.
  • Hotel cover for 4/5 star hotels only.

VerifiedFIRST WOW! Black Credit Card Privileges / Rewards & Program Terms18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • On payment of joining fee of ₹750 + GST, welcome/joining benefits in 1st year (valid 90 days from joining fee payment): ₹500 off on first travel booking via IDFC FIRST Bank Mobile App (min spend ₹5,000).
  • Up to ₹1,600 instant discount on MakeMyTrip flights/hotels/bus.
  • Complimentary 3-month EazyDiner Prime membership worth ₹1,095.
  • Flat 10% instant discount on Mokobara.
  • Complimentary Lenskart Gold Max membership for 1 year worth ₹800.
  • And up to ₹1,000 cashback (5%) on 1st EMI transaction.
  • Threshold: no minimum spend to receive the basket, only joining fee payment required.

VerifiedFIRST WOW! Black Credit Card Privileges / Rewards & Program Terms18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Dining benefit

Complimentary 3-month EazyDiner Prime membership worth ₹1,095 (can be availed only once in a lifetime; validity 3 months once activated; must be claimed within 90 days).

VerifiedFIRST WOW! Black Credit Card Privileges / Rewards & Program Terms18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Insurance

  • Complimentary insurance (New India Assurance) for FIRST WOW!
  • Black: Card Liability Cover (Lost Card Liability, Counterfeit, Skimming, Online Fraud Protection) ₹25,000.
  • Personal Accident (accidental death/permanent disability) ₹2,00,000.
  • Credit Shield ₹50,000.
  • Purchase Protection ₹25,000.
  • Travel Insurance and Personal Air Accident Not Available.
  • All benefits applicable only if the card was used at least once for a Purchase/ATM withdrawal in the last 30 days prior to the event.

VerifiedFIRST WOW! Black Credit Card Privileges / Rewards & Program Terms18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Milestone benefit

  • Movie Ticket Offer: 25% discount on movie tickets up to ₹100 on District by Zomato mobile App, once a month.
  • Applicable only when cardholder is spend-active i.e. has done at least 1 Purchase/ATM withdrawal in the previous calendar month (threshold amount not stated on official source).

VerifiedFIRST WOW! Black Credit Card Privileges / Rewards & Program Terms18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Eligibility

Eligibility

  • FD-backed (secured) credit card.
  • Credit limit up to 90% of the fixed deposit amount.
  • Minimum FD required.
  • Available to resident Indians.
  • Fixed deposit opened/linked via IDFC FIRST Bank Mobile App on auto-renewal mode.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Charges & interest

Forex markup

NIL (zero) markup charges on foreign currency transactions and Dynamic & Static Currency Conversion transactions.

VerifiedMITC – Most Important Terms & Conditions (covers FIRST WOW! Black)3 Aug 2026, 2:45 AM ISTIDFC FIRST Bank

Charge

  • Finance/interest charge: Monthly 0.71%-3.85% (Annual 8.5%-46.2%), overdue interest 3.99% monthly (47.88% annual).
  • Cash advance transaction fee: ₹199.
  • Late payment charges: 15% of Total Amount Due (previous statement minus payments) subject to min ₹100 and max ₹1,300.
  • For FIRST WOW!
  • Black, LPC is applicable on Total Amount Due.
  • Over-limit charges: Nil (over-limit facility not available for FIRST WOW! Black).
  • Return of cheque/AutoDebit SI/Payment Return: 2% of payment amount, min ₹500.
  • Reward redemption fee: ₹99 per redemption transaction.
  • Card replacement fee: ₹199.
  • Cash payment at branches: NIL.
  • Duplicate statement: NIL.
  • Rent & Property Management fee: 1% of transaction value, min ₹249 (domestic only).
  • Utility fee: 1% if utility spends exceed ₹20,000/statement cycle.
  • Fuel fee: 1% if fuel spends exceed ₹30,000/statement cycle.
  • Passenger Railway fee: 1% if railway spends exceed ₹25,000/cycle.
  • Tolls & Bridges fee: 1% if spends exceed ₹10,000/cycle.
  • Education payment fee (third-party apps): 1%, min ₹249.
  • GST at 18% on all fees, interest and charges.

VerifiedMITC – Most Important Terms & Conditions (covers FIRST WOW! Black)18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Fuel surcharge waiver

  • 1% fuel surcharge waiver on fuel transactions valued between ₹200 and ₹5,000.
  • Maximum waiver ₹200 per statement cycle.

VerifiedMITC – Most Important Terms & Conditions (covers FIRST WOW! Black)18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Interest-free period

  • Interest-free (grace) period of up to 45 days.
  • Not applicable if previous month's statement balance is not cleared in full by the due date.

VerifiedMITC – Most Important Terms & Conditions (covers FIRST WOW! Black)18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the Black Wow Standalone?

Officially traced: Rs. 750 (plus GST), 2nd year onwards.

Black Wow Standalone product page

What is the joining fee on the Black Wow Standalone?

Officially traced: Rs. 750 (plus GST).

MITC – Most Important Terms & Conditions (covers FIRST WOW! Black)

What lounge access does the Black Wow Standalone include?

Up to 1 complimentary domestic airport lounge visit per quarter at select Indian airports; requires minimum monthly spend of Rs. 20,000 (spends in a calendar month count towards next month's access).

FIRST WOW! Black Credit Card Privileges / Rewards & Program Terms

What welcome benefit does the Black Wow Standalone offer?

On payment of joining fee of Rs. 750 + GST, welcome/joining benefits in 1st year (valid 90 days from joining fee payment): Rs. 500 off on first travel booking via IDFC FIRST Bank Mobile App (min spend Rs. 5,000); up to Rs. 1,600 instant.

FIRST WOW! Black Credit Card Privileges / Rewards & Program Terms

What are the transfer ratios for Black Wow Standalone points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMITC – Most Important Terms & Conditions (covers FIRST WOW! Black)FIRST WOW! Black Credit Card Privileges / Rewards & Program Terms

Official terms

https://www.idfcfirst.bank.in/credit-card/ntb-diy/black-wow-standalone.

VerifiedBlack Wow Standalone product page18 Aug 2026, 6:00 PM ISTIDFC FIRST Bank

Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

( Continue exploring )

More from this issuer