Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs HDFC Bharat Cashback Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, HDFC Bharat Cashback 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of Axis Bank My Zone Credit Card by about ₹1,460/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹500 | ₹0 | ₹0 |
| Min income (monthly) | ₹20,000 | ₹15,000 | Not stated |
| Top reward rate | 4% | 5% cashback | 1X reward points |
| Net annual value (moderate spend) | ₹3,970/yr | ₹5,430/yr | ₹800/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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 | Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone Credit Card Axis Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback 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 | ₹500 | ₹0 | ₹0 |
| Min income | ₹20,000 | ₹15,000 | Not stated |
| Top reward rate | 4% | 5% cashback | 1X reward points |
| Net value (moderate) | ₹3,970/yr | ₹5,430/yr | ₹800/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | — | — |
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