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?

Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/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.

Side-by-side · honest numbers

HDFC Bharat Cashback Credit Card vs Swiggy HDFC Bank Credit Card vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, Swiggy HDFC Bank 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹6,720/yr.

HDFC Bharat Cashback Credit Card vs Swiggy HDFC Bank Credit Card vs IDFC FIRST WOW Credit Card comparison table
Feature	HDFC Bharat Cashback Credit Card HDFC Bank	Swiggy HDFC Bank Credit Card HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹0	₹500	₹0
Min income (monthly)	₹15,000	₹25,000	Not stated
Top reward rate	5% cashback	10%	1X reward points
Net annual value (moderate spend)	₹5,430/yr	₹12,150/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?: Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/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.

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Your adjusted comparison

Feature	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	HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank 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	₹0	₹500	₹0
Min income	₹15,000	₹25,000	Not stated
Top reward rate	5% cashback	10%	1X reward points
Net value (moderate)	₹5,430/yr	₹12,150/yr	₹800/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

HDFC Bharat Cashback Credit Card details →Swiggy HDFC Bank Credit Card details →IDFC FIRST WOW Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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