Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs IDFC FIRST WOW Credit Card vs IndusInd Bank Platinum Credit Card
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, IDFC FIRST WOW Credit Card, IndusInd Bank Platinum 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, IDFC FIRST WOW Credit Card ranks first for estimated net annual value — ahead of IndusInd Bank Platinum Credit Card by about ₹820/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | ₹10,00,000/yr | Lifetime free | Lifetime free |
| Min income | ₹1,00,000/mo | Not stated | ₹20,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹800/yr | -₹20/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | — |
| Top reward rate | 5 RP/₹150 | 1X reward points | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| 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?
- IDFC FIRST WOW Credit Card leads with an estimated ₹800/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IndusInd Bank Platinum Credit Card 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.
HDFC Bank Infinia Credit Card
HDFC Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia 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 | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | ₹10,00,000/yr | Lifetime free | Lifetime free |
| Min income | ₹1,00,000/mo | Not stated | ₹20,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹800/yr | -₹20/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | — |
| Top reward rate | 5 RP/₹150 | 1X reward points | 1 reward point/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-infinia-vs-idfc-first-wow-vs-indusind-platinumMore HDFC Bank Infinia Credit Card comparisons
- HDFC Bank Infinia Credit Card vs 811 Dream Different Credit Card
- HDFC Bank Infinia Credit Card vs AU Altura Credit Card
- HDFC Bank Infinia Credit Card vs AU Zenith Credit Card
- HDFC Bank Infinia Credit Card vs American Express Gold Card
- HDFC Bank Infinia Credit Card vs American Express Platinum Travel Card
- HDFC Bank Infinia Credit Card vs American Express SmartEarn Credit Card
- HDFC Bank Infinia Credit Card vs Amex Membership Rewards CC
- HDFC Bank Infinia Credit Card vs Axis Bank ACE Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Airtel Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Atlas Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Magnus Credit Card