Side-by-side · honest numbers
Amex Membership Rewards CC vs Axis Bank Airtel Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of Amex Membership Rewards CC, Axis Bank Airtel Credit Card, IDFC FIRST WOW Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Airtel Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹7,248/yr.
| Feature | Amex Membership Rewards CC American Express | Axis Bank Airtel Credit Card Axis Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹60,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹8,070/yr | ₹800/yr |
| Dining & delivery | — | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Utilities & bills | — | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 2 RP/₹150 | 25% | 1X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet · Government | Not stated |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST WOW Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Amex Membership Rewards CC
American Express
Axis Bank Airtel Credit Card
Axis Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC American Express | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank | IDFC FIRST BankClassic IDFC FIRST WOW Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST WOW Credit Card Top reward1X reward points Annual feeLifetime Free Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹4,500 | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹60,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹822/yr | ₹8,070/yr | ₹800/yr |
| Dining & delivery | — | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Utilities & bills | — | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — |
| Top reward rate | 2 RP/₹150 | 25% | 1X reward points |
| Primary reward cap | No monthly cap published | ₹250 rewards/mo cap | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Some small merchants | EMI · Fuel · Rent · Wallet · Government | Not stated |
| Bonuses | |||
| Signup bonus | ₹4,000 | — | — |
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https://cardhungry.com/in/en/compare/amex-mrcc-vs-axis-airtel-vs-idfc-first-wowMore Amex Membership Rewards CC comparisons
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