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Axis Bank Flipkart Credit Card vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of Axis Bank Flipkart Credit Card, IDFC FIRST WOW Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis Bank Flipkart Credit Card

Axis Bank

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature
Axis Bank Flipkart Credit Card

Axis Bank Flipkart Credit Card

Axis Bank

IDFC FIRST WOW Credit Card

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹500Lifetime free
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free
Min income₹25,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹9,660/yr₹620/yr
Online shopping₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo—
Top reward rate5%1X reward points
Primary reward cap₹1,333 rewards/mo capNo monthly cap published
UPI rewardsNot supported (Visa/MC)Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceNot stated
Bonuses
Signup bonus₹500—

Stack mode (hold both)

Cap-aware split: ~₹10,010/yr combined NAV (₹350 vs best solo). Both annual fees apply.

Axis Bank Flipkart Credit Card details →IDFC FIRST WOW Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Flipkart Credit Card leads IDFC FIRST WOW Credit Card by about ₹9,040/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis Bank Flipkart Credit Card vs IDFC FIRST WOW Credit Card comparison table
FeatureAxis Bank Flipkart Credit Card

Axis Bank

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Fees & eligibility
Annual fee₹500Lifetime free
Fee waiver thresholdWaived at ₹2,00,000/yr spendLifetime free
Min income₹25,000/moNot stated
Secured / FD-backedStandardFD-backed
Rewards
Net annual value (moderate)₹9,660/yr₹620/yr
Online shopping₹8,000 × 7.5% = ₹600/mo (₹7,200/yr) · issuer max ₹1,333/mo—
Top reward rate5%1X reward points
Primary reward cap₹1,333 rewards/mo capNo monthly cap published
UPI rewardsNot supported (Visa/MC)Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs
Key exclusionsEMI · Fuel · Rent · Wallet · InsuranceNot stated
Bonuses
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?
Axis Bank Flipkart Credit Card leads with an estimated ₹9,660/yr net annual value on moderate spend.
Which card has the lower income requirement?
Axis Bank Flipkart Credit Card lists a minimum monthly income of ₹25,000.
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.

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