Side-by-side · honest numbers
HDFC Diners Club Black Metal vs ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of HDFC Diners Club Black Metal, ICICI Sapphiro 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, ICICI Sapphiro Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹2,756/yr.
| Feature | HDFC Diners Club Black Metal HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹10,000 | ₹3,500 | ₹0 |
| Min income (monthly) | ₹1,50,000 | ₹75,000 | Not stated |
| Top reward rate | 10X points | 4 RP/₹100 | 1X reward points |
| Net annual value (moderate spend) | -₹5,617/yr | ₹3,556/yr | ₹800/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹4,000 | — |
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?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Sapphiro Credit Card lists a minimum monthly income of ₹75,000.
- 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 | 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 | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI 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 | ₹3,500 | ₹0 |
| Min income | ₹1,50,000 | ₹75,000 | Not stated |
| Top reward rate | 10X points | 4 RP/₹100 | 1X reward points |
| Net value (moderate) | -₹5,617/yr | ₹3,556/yr | ₹800/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹4,000 | — |
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