Side-by-side · honest numbers
AU Zenith Credit Card vs IDFC FIRST WOW Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of AU Zenith Credit Card, IDFC FIRST WOW Credit Card, SBI SimplyCLICK — 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, SBI SimplyCLICK ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹981/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹0 | ₹499 |
| Min income (monthly) | ₹75,000 | Not stated | ₹20,000 |
| Top reward rate | 3X points/₹150 | 1X reward points | 10X points |
| Net annual value (moderate spend) | -₹6,487/yr | ₹800/yr | ₹1,781/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | ₹500 |
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?
- SBI SimplyCLICK leads with an estimated ₹1,781/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK 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.
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 | 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 | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹7,999 | ₹0 | ₹499 |
| Min income | ₹75,000 | Not stated | ₹20,000 |
| Top reward rate | 3X points/₹150 | 1X reward points | 10X points |
| Net value (moderate) | -₹6,487/yr | ₹800/yr | ₹1,781/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | ₹500 |
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