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 SimplyCLICK leads with an estimated ₹1,781/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplyCLICK lists a minimum monthly income of ₹20,000.

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 IDFC FIRST WOW Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC FIRST WOW Credit Card, SBI SimplyCLICK — 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 SimplyCLICK ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹981/yr.

HDFC Diners Club Black Metal vs IDFC FIRST WOW Credit Card vs SBI SimplyCLICK comparison table
Feature	HDFC Diners Club Black Metal HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	SBI SimplyCLICK SBI Card
Annual fee	₹10,000	₹0	₹499
Min income (monthly)	₹1,50,000	Not stated	₹20,000
Top reward rate	10X points	1X reward points	10X points
Net annual value (moderate spend)	-₹5,617/yr	₹800/yr	₹1,781/yr
Secured / FD-backed	No	Yes	No
Signup bonus	—	—	₹500

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 SimplyCLICK leads with an estimated ₹1,781/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
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	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 CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Annual fee	₹10,000	₹0	₹499
Min income	₹1,50,000	Not stated	₹20,000
Top reward rate	10X points	1X reward points	10X points
Net value (moderate)	-₹5,617/yr	₹800/yr	₹1,781/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	₹500

HDFC Diners Club Black Metal details →IDFC FIRST WOW Credit Card details →SBI SimplyCLICK details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Diners Club Black Metal comparisons