Side-by-side · honest numbers
Axis Bank Neo Credit Card vs IDFC FIRST WOW Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of Axis Bank Neo Credit Card, IDFC FIRST WOW Credit Card, RBL Bank ShopRite — 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, Axis Bank Neo Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹1,000/yr.
| Feature | Axis Bank Neo Credit Card Axis Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | ₹15,000 | Not stated | ₹15,000 |
| Top reward rate | 10% off | 1X reward points | 5% on first ₹1,000/mo |
| Net annual value (moderate spend) | ₹1,800/yr | ₹800/yr | ₹460/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Neo Credit Card leads with an estimated ₹1,800/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Neo 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 BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis 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 | RBL BankClassic RBL Bank ShopRite •••• •••• •••• 4242 Quick facts RBL Bank ShopRite Top reward5% on first ₹1,000/mo Annual feeLifetime Free Min income₹15,000/mo Tap to flip back RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | ₹15,000 | Not stated | ₹15,000 |
| Top reward rate | 10% off | 1X reward points | 5% on first ₹1,000/mo |
| Net value (moderate) | ₹1,800/yr | ₹800/yr | ₹460/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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