What is the annual fee for the IDFC FIRST Bank WOW Black?

The annual fee for the IDFC FIRST Bank WOW Black is ₹750. It can be waived on annual spends of ₹1,50,000.

Does the IDFC FIRST Bank WOW Black offer airport lounge access?

Yes — the IDFC FIRST Bank WOW Black offers 4 domestic per year lounge visits.

It earns 0.67% on eligible spends as Reward Points.

Domestic & international access details and eligibility criteria

domestic—

4 per yearmedium

⚠️ Activation: ₹20,000 per month

1/qtr; ₹20K prev-mo spend req.

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹134

Dining₹5,000/mo

+₹34

Grocery₹8,000/mo

+₹54

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹900

Online Shopping₹8,000/mo

+₹54

Utilities₹3,000/mo

+₹20

Annual earnings

₹14,338

Blended 2.30% effective return

Monthly spend₹52,000

Monthly earnings+₹1,195

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

FD-backed secured (₹20K min FD = ₹20K credit). 0% forex. Welcome ₹500 travel + MMT discounts + EazyDiner Prime.