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IDFC First WOW! Credit Card vs HDFC Diners Club Black

Joining Fees

₹0

₹10,000

Editor's Rating

4.6

Key Features

  • Lifetime free credit card - No joining fee/annual fee
  • Get up to 4x Reward Points on every transaction
  • Unlimited never expiring reward points as good as cash
  • Insurance premium payments and Utility bill payments will earn 1X reward points
  • Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
  • Zero interest charges on ATM cash withdrawals for up to 45 days 
  • Zero Currency Exchange Hassles
  • Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
  • Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
  • 1% Fuel Surcharge Waiver
  • Withdraw cash up to 100% of FD value
  • Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
  • Earn 4X Reward Points on every travel spend
  • Up to 3X reward points on all UPI spends
  • Credit limit minimum 100% of the FD Value
  • No credit history required
  • No income proof required
  • Instant Card Issuance
  • Discover discounts across 1500+ resturants and retailers
  • Get discount across 300+ merchants and 1500+ resturants
  • Credit shield protection against theft and fraud
  • Access to exclusive VISA offers across the globe
  • Complimentary Annual memberships of Club Marriott, Forbes, Amazon Prime, Swiggy One (3 months) and MMT BLACK   
  • Complimentary Ola cabs | cult.fit Live | BookMyShow | TataCliQ vouchers on spends of over Rs. 80,000 every month
  • Avail 5 Reward Points for every Rs 150 spent
  • Up to 10X Reward Points via SmartBuy
  • Dining privileges: 2X on weekend dining 
  • HDFC Bank x Swiggy Dineout - Good food Trail: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants     
  • Travel benefits: Book flight tickets / hotels across 150+  airlines and choice of hotels (Domestic & International)                            
  • Up to 50 days of interest free credit period on the credit card
  • Air accident insurance cover worth Rs 2 crore
  • Emergency overseas hospitalization: Rs. 50 Lakh
  • Travel Insurance Cover of up to Rs. 55,000 on baggage delay                             
  • Complimentary Golf games across the finest courses in the world ( 6 per quarter)                 
  • Credit Liability Cover of up to Rs. 9 Lakh
  • Foreign Currency Markup:  2% on all your foreign currency spends
  • Revolving Credit is available at a nominal interest rate
  • 24/7 Concierge Services
  • Unlimited Airport lounge access to 1000+ Lounges in India and worldwide for primary and add-on card members
  • 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and Max CashBack of Rs. 1000 per statement cycle
  • Milestone Benefit: The credit card holders can select any 2 benefits amongst cult.fit Live 1 month membership or BookMyShow or TataCLiQ or Ola cabs vouchers worth Rs. 500 every month on spends of Rs. 80,000
  • Annual Spend based benefit: Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
  • Convert big spends into EMI after purchase
  • Contactless Payment
  • Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Editor's Review

Pros

  • Lifetime free credit card
  • Get a 100% credit limit against the amount of Fixed Deposit
  • Get up to 4x Reward Points on every transaction

Cons

  • No travel benefits
  • No golf benefits
  • No complimentary domestic or international airport lounge access

Pros

* Welcome Benefits

* Complimentary annual memberships of Club Marriott, Times Prime, Amazon Prime, Swiggy One (3 months), MMT BLACK can also be availed upon achieving annual spend of Rs 8 Lakhs at the time of card anniversary
* Diners Exclusive Offers: Fast Track Airport Experience, Dining Delight (exclusive dining offers, from gourmet cuisine to local delicacies), Luxury Spas access, and Small Medium Enterprise (SME), which is tailor-made offers such as workspaces, business insurance and wellness discounts to meet business needs

Cons
Joining and renewal fee is on the higher side


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