Side-by-side · honest numbers
AU Zenith Credit Card vs HDFC Bank Infinia Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, HDFC Bank Infinia 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, IDFC FIRST WOW Credit Card ranks first for estimated net annual value — ahead of HDFC Bank Infinia Credit Card by about ₹3,441/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | HDFC Bank Infinia Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹12,500 | ₹0 |
| Min income (monthly) | ₹75,000 | ₹1,00,000 | Not stated |
| Top reward rate | 3X points/₹150 | 5 RP/₹150 | 1X reward points |
| Net annual value (moderate spend) | -₹6,487/yr | -₹2,641/yr | ₹800/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | — | — |
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?
- IDFC FIRST WOW Credit Card leads with an estimated ₹800/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Zenith Credit Card lists a minimum monthly income of ₹75,000.
- 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.
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC 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 |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹12,500 | ₹0 |
| Min income | ₹75,000 | ₹1,00,000 | Not stated |
| Top reward rate | 3X points/₹150 | 5 RP/₹150 | 1X reward points |
| Net value (moderate) | -₹6,487/yr | -₹2,641/yr | ₹800/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | — | — |
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