IDFC FIRST Bank has introduced the FIRST WOW! Black Credit Card, a premium variant of its existing FD-backed secured card. The new product offers international spending without forex markup, dual network support, and UPI-linked transactions.

The card combines a physical Mastercard and a UPI-enabled RuPay virtual credit card, both operating under a single credit limit and consolidated billing.

Key features include zero forex markup on international spends, interest-free cash withdrawals until the payment due date (with a flat ₹199 withdrawal fee), and reward points on everyday purchases and eligible UPI transactions. Additional rewards are offered on hotel and flight bookings made through the bank’s app.

The card provides four domestic airport lounge accesses annually, complimentary road

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