FIRST WOW! Black Credit Card (FD-Backed Metal)
Crafted in black metal and backed by an IDFC FIRST Bank Fixed Deposit, this card blends premium metal aesthetics with true 0.00% foreign exchange markup. It provides international students and overseas vacationers with guaranteed approval and airport lounge privileges.
Why We Recommend The FIRST WOW! Black Credit Card (FD-Backed Metal)
Combines the zero-forex benefits of FIRST WOW! with a sleek metal card body and domestic airport lounge access.
Students traveling overseas and design-conscious users wanting a 0% forex metal card backed by a Fixed Deposit.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the FIRST WOW! Black Credit Card (FD-Backed Metal)?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for FIRST WOW! Black Credit Card (FD-Backed Metal)
Zero hidden costs. Complete fee schedule verified with IDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the FIRST WOW! Black Credit Card (FD-Backed Metal)
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
4 complimentary domestic airport lounge visits per year (1 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes FIRST WOW! Black Credit Card (FD-Backed Metal) Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
True 0.00% zero foreign exchange markup on all international transactions.
Crafted in black metal and backed by an IDFC FIRST Bank Fixed Deposit.
Complimentary domestic airport lounge access each quarter.
Pros & Cons of the FIRST WOW! Black Credit Card (FD-Backed Metal)
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Metal credit card aesthetics without income proof or credit score requirements.
- True 0% forex markup makes it a strong companion for studying or vacationing abroad.
- Backed by a high-interest term deposit.
Things to Consider (Cons)
- Requires higher fixed deposit commitments than the standard WOW! card.
- Lounge access requires spending ₹20,000 in the previous month.
- Base reward accrual speed is modest.
Who Can Apply for the FIRST WOW! Black Credit Card (FD-Backed Metal)?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
720+ Score Recommended
Applicants with a credit score of 720 or higher enjoy fast-tracked approval and preferential credit limits from IDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About FIRST WOW! Black Credit Card (FD-Backed Metal)
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the FIRST WOW! Black Credit Card (FD-Backed Metal)?
Check your pre-approved credit limit and instant approval eligibility across IDFC Bank with 100% paperless verification and zero score impact.