The IDFC FIRST WOW Black Credit Card is an FD-backed secured credit card that comes with a joining and annual fee of Rs 750 + GST which is waived if you spend Rs 1.5 lakh in a year.Welcome benefits of this card is: Rs 500 off on your 1st travel booking via the IDFC FIRST Bank mobile app (min. spend Rs 5,000), instant discounts of up to Rs 1,500 on flights, hotels and bus bookings through MakeMyTrip, Free 3-month EazyDiner Prime membership, Free 1-year Lenskart Gold Max membership, 5% cashback up to Rs 1,000 on your first EMI within 30 days and 25% off (up to Rs 100) on movies via District by Zomato (once per month).Rewards points: You earn 4 reward points per Rs 150 spent on regular purchases, 3 points per Rs 150 on UPI spends above Rs 2,000.Bonus: Also get a bonus 50 points per Rs 150 on hotel bookings and a bonus 30 points per Rs 150 on flight bookings made via the IDFC Bank app.Rewards point Value: Rewards points (against travel bookings)are redeemable at Rs 0.50 and Rs 0.25 elsewhere.Other benefits: The card provides zero forex markup on international transactions, up to 4 domestic airport lounge visits per year, 1% fuel surcharge waiver up to Rs 200 per month.2-in-1 Card: You get both a physical Mastercard and a UPI-enabled virtual RuPay card linked to the same limit for versatile use.Best For?: This is an FD-based credit card, so there is no income proof required, and it helps to build credit history and credit score.Interest & Cashback: Also, you earn interest on your fixed deposit. So apply this card now and enjoy extra GoPaisa Cashback on card approval.