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?

Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.

Which card has the lower income requirement?

Tata Neu Plus HDFC Bank Credit Card 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.

Side-by-side · honest numbers

HDFC Diners Club Black Metal vs Tata Neu Plus HDFC Bank Credit Card vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of HDFC Diners Club Black Metal, Tata Neu Plus 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, Tata Neu Plus HDFC Bank Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹2,729/yr.

HDFC Diners Club Black Metal vs Tata Neu Plus HDFC Bank Credit Card vs IDFC FIRST WOW Credit Card comparison table
Feature	HDFC Diners Club Black Metal HDFC Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Annual fee	₹10,000	₹499	₹0
Min income (monthly)	₹1,50,000	₹25,000	Not stated
Top reward rate	10X points	5% NeuCoins	1X reward points
Net annual value (moderate spend)	-₹5,617/yr	₹3,529/yr	₹800/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	₹499	—

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?: Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.
Which card has the lower income requirement?: Tata Neu Plus HDFC Bank Credit Card 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.

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Your adjusted comparison

Feature	HDFC BankMetal HDFC Diners Club Black Metal •••• •••• •••• 4242 Quick facts HDFC Diners Club Black Metal Top reward10X points Annual fee₹10,000 Min income₹1,50,000/mo Tap to flip back HDFC Diners Club Black Metal HDFC Bank	HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus 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	₹10,000	₹499	₹0
Min income	₹1,50,000	₹25,000	Not stated
Top reward rate	10X points	5% NeuCoins	1X reward points
Net value (moderate)	-₹5,617/yr	₹3,529/yr	₹800/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	₹499	—

HDFC Diners Club Black Metal details →Tata Neu Plus 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

More HDFC Diners Club Black Metal comparisons