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?

IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/yr net annual value on moderate spend.

Which card has the lower income requirement?

IRCTC ICICI Bank 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.

Side-by-side · honest numbers

Amex Membership Rewards CC vs IDFC FIRST WOW Credit Card vs IRCTC ICICI Bank Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, IDFC FIRST WOW Credit Card, IRCTC ICICI Bank 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, IRCTC ICICI Bank Credit Card ranks first for estimated net annual value — ahead of Amex Membership Rewards CC by about ₹241/yr.

Amex Membership Rewards CC vs IDFC FIRST WOW Credit Card vs IRCTC ICICI Bank Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	IDFC FIRST WOW Credit Card IDFC FIRST Bank	IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹4,500	₹0	₹0
Min income (monthly)	₹60,000	Not stated	₹20,000
Top reward rate	2 RP/₹150	1X reward points	10% reward points
Net annual value (moderate spend)	₹822/yr	₹800/yr	₹1,063/yr
Secured / FD-backed	No	Yes	No
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?: IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/yr net annual value on moderate spend.
Which card has the lower income requirement?: IRCTC ICICI Bank 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.

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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	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	ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank
Annual fee	₹4,500	₹0	₹0
Min income	₹60,000	Not stated	₹20,000
Top reward rate	2 RP/₹150	1X reward points	10% reward points
Net value (moderate)	₹822/yr	₹800/yr	₹1,063/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹4,000	—	—

Amex Membership Rewards CC details →IDFC FIRST WOW Credit Card details →IRCTC ICICI Bank Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Amex Membership Rewards CC comparisons