Key Features & Benefits
- ✦Dual card — one Visa credit card + one RuPay credit card for UPI payments
- ✦4X Reward Points on all Visa credit card spends
- ✦3X Reward Points on UPI transactions via RuPay card
- ✦Zero forex markup — 0% on international transactions
- ✦Issued against FD (minimum ₹25,000 FD required)
- ✦No income proof required
- ✦Railway lounge access (spend-gated)
- ✦Lifetime free — no joining or annual fee
- ✦Reward Points never expire
Advertisement
Welcome & Joining Benefits
- ✦100% cashback (up to ₹50 each) on first 4 UPI transactions in 15 days
Milestone Benefits
- ✦Check IDFC FIRST Bank website for current benefits
Pros & Cons
✓ Advantages
- ✓Dual card — use RuPay for UPI payments and earn credit card rewards
- ✓Zero forex on Visa card
- ✓Higher FD requirement (₹25K) unlocks premium WOW! Black
- ✓UPI reward earning — rare in FD-backed cards
✗ Disadvantages
- ✗Needs ₹25,000 FD — higher than standard WOW!
- ✗No airport lounge access
Frequently Asked Questions
What is the difference between WOW! and WOW! Black?
WOW! needs ₹5,000 FD and gives a single Visa card. WOW! Black needs ₹25,000 FD and gives a dual Visa + RuPay card, enabling UPI payments with credit card rewards. WOW! Black is better if you use UPI regularly.
Advertisement