Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs IDFC FIRST WOW Credit Card vs RBL World Safari
Honest side-by-side comparison of Axis Bank SELECT Credit Card, IDFC FIRST WOW Credit Card, RBL World Safari — 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, RBL World Safari ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹1,168/yr.
| Feature | Axis Bank SELECT Credit Card Axis Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | Lifetime free | ₹3,000 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | Not stated | ₹50,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹800/yr | ₹1,968/yr |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 1X reward points | 4X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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?
- RBL World Safari leads with an estimated ₹1,968/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank SELECT Credit Card lists a minimum monthly income of ₹50,000.
- 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.
Axis Bank SELECT Credit Card
Axis Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
RBL World Safari
RBL Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT 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 BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | Lifetime free | ₹3,000 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹50,000/mo | Not stated | ₹50,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹62/yr | ₹800/yr | ₹1,968/yr |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — | 4 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 1X reward points | 4X points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Axis Bank SELECT Credit Card details →IDFC FIRST WOW Credit Card details →RBL World Safari details →
Share this comparison
https://cardhungry.com/in/en/compare/axis-select-vs-idfc-first-wow-vs-rbl-world-safariMore Axis Bank SELECT Credit Card comparisons
- Axis Bank SELECT Credit Card vs 811 Dream Different Credit Card
- Axis Bank SELECT Credit Card vs AU Altura Credit Card
- Axis Bank SELECT Credit Card vs AU Zenith Credit Card
- Axis Bank SELECT Credit Card vs American Express Gold Card
- Axis Bank SELECT Credit Card vs American Express Platinum Travel Card
- Axis Bank SELECT Credit Card vs American Express SmartEarn Credit Card
- Axis Bank SELECT Credit Card vs Amex Membership Rewards CC
- Axis Bank SELECT Credit Card vs Axis Bank ACE Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank SELECT Credit Card vs Axis Bank Magnus Credit Card