Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs IDFC FIRST WOW Credit Card vs SBI Card MILES
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, IDFC FIRST WOW Credit Card, SBI Card MILES — 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 Card MILES ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹2,490/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | Lifetime free | ₹1,499 |
| Fee waiver threshold | ₹10,00,000/yr | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹1,00,000/mo | Not stated | ₹35,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹800/yr | ₹3,290/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 5 RP/₹150 | 1X reward points | 6X reward points |
| 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 | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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?
- SBI Card MILES leads with an estimated ₹3,290/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card MILES lists a minimum monthly income of ₹35,000.
- 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
SBI Card MILES
SBI Card
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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | Lifetime free | ₹1,499 |
| Fee waiver threshold | ₹10,00,000/yr | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹1,00,000/mo | Not stated | ₹35,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹800/yr | ₹3,290/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Top reward rate | 5 RP/₹150 | 1X reward points | 6X reward points |
| 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 | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/hdfc-infinia-vs-idfc-first-wow-vs-sbi-card-milesMore HDFC Bank Infinia Credit Card comparisons
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