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?

Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.

Which card has the lower income requirement?

Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.

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 Standard Chartered Smart Card

Honest side-by-side comparison of HDFC Diners Club Black Metal, IDFC FIRST WOW Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹2,931/yr.

HDFC Diners Club Black Metal vs IDFC FIRST WOW Credit Card vs Standard Chartered Smart Card comparison table
Feature	HDFC Diners Club Black Metal HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	Standard Chartered Smart Card Standard Chartered
Annual fee	₹10,000	₹0	₹499
Min income (monthly)	₹1,50,000	Not stated	₹30,000
Top reward rate	10X points	1X reward points	2% cashback
Net annual value (moderate spend)	-₹5,617/yr	₹800/yr	₹3,731/yr
Secured / FD-backed	No	Yes	No
Signup bonus	—	—	—

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?: Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
Which card has the lower income requirement?: Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Annual fee	₹10,000	₹0	₹499
Min income	₹1,50,000	Not stated	₹30,000
Top reward rate	10X points	1X reward points	2% cashback
Net value (moderate)	-₹5,617/yr	₹800/yr	₹3,731/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	—	—	—

HDFC Diners Club Black Metal details →IDFC FIRST WOW Credit Card details →Standard Chartered Smart Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC Diners Club Black Metal comparisons