Side-by-side · honest numbers
Bajaj Finserv DBS Bank SuperCard vs IDFC FIRST WOW Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, IDFC FIRST WOW Credit Card, SBI BPCL Octane — 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 BPCL Octane ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹8,770/yr.
| Feature | Bajaj Finserv DBS Bank SuperCard DBS Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹25,000/mo | Not stated | ₹30,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | ₹800/yr | ₹9,570/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Top reward rate | 2X reward points | 1X reward points | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| 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 | Not stated | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹6,000 |
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?
- SBI BPCL Octane leads with an estimated ₹9,570/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bajaj Finserv DBS Bank SuperCard 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.
Customize your spend
Change spend profile or swap cards — results update live below.
Bajaj Finserv DBS Bank SuperCard
DBS Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS 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 CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹25,000/mo | Not stated | ₹30,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹180/yr | ₹800/yr | ₹9,570/yr |
| Online shopping | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Groceries (offline) | — | — | 6 pts per ₹150 spend → ₹60/mo (₹720/yr) |
| Dining & delivery | — | — | 6 pts per ₹150 spend → ₹40/mo (₹480/yr) |
| Fuel | — | — | 37.5 pts per ₹150 spend → ₹250/mo (₹3,000/yr) |
| Top reward rate | 2X reward points | 1X reward points | 25X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| 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 | Not stated | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹6,000 |
Bajaj Finserv DBS Bank SuperCard details →IDFC FIRST WOW Credit Card details →SBI BPCL Octane details →
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https://cardhungry.com/in/en/compare/bajaj-dbs-supercard-vs-idfc-first-wow-vs-sbi-bpcl-octaneMore Bajaj Finserv DBS Bank SuperCard comparisons
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