What are the benefits of the IDFC FIRST WOW! Black Credit Card?

The card offers zero forex markup on international spending, UPI linkage, airport lounge access, and insurance coverage.

How can I apply for the IDFC FIRST WOW! Black Credit Card?

You can apply for the card digitally on the IDFC FIRST Bank website against a fixed deposit.

Is there an annual fee for the IDFC FIRST WOW! Black Credit Card?

Yes, there is an annual fee of ₹750 plus GST, waived from the second year if you spend ₹1.5 lakh annually.

Home / Business and Economy / New Credit Card Offers No Forex Markup & UPI

New Credit Card Offers No Forex Markup & UPI

8 Dec, 2025

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Summary

IDFC FIRST Bank introduces secured WOW! Black credit card.
Card features zero forex markup and UPI link.
Available against fixed deposits starting from ₹20,000.

New Credit Card Offers No Forex Markup & UPI

IDFC FIRST Bank has unveiled its WOW! Black Credit Card, an enhanced version of its fixed deposit-backed secured credit card. This new offering aims to democratize access to premium credit card features, particularly for individuals seeking secure credit solutions. The card is now available for applications through the bank's digital channels.

The WOW! Black card uniquely combines a physical Mastercard with a virtual RuPay card enabled for UPI transactions, all managed under a single credit limit and consolidated billing. Key benefits include international spending without any foreign exchange markup fees, interest-free cash withdrawals until the payment due date, and reward points on everyday purchases and eligible UPI transactions.