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?

slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.

Which card has the lower income requirement?

slice credit card lists a minimum monthly income of ₹15,000.

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 MoneyBack+ Credit Card vs IDFC FIRST WOW Credit Card vs slice credit card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, IDFC FIRST WOW Credit Card, slice 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, slice credit card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹2,710/yr.

HDFC MoneyBack+ Credit Card vs IDFC FIRST WOW Credit Card vs slice credit card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	slice credit card Slice
Fees & eligibility
Annual fee	₹500	Lifetime free	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free	Lifetime free
Min income	₹20,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹800/yr	₹3,510/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—	—
Top reward rate	10X points	1X reward points	Up to 1% cashback
Primary reward cap	₹2,500 eligible spend/mo	No monthly cap published	₹500 eligible spend/mo
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	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent	Not stated	Rent · Wallet loads · EMI
Bonuses
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?: slice credit card leads with an estimated ₹3,510/yr net annual value on moderate spend.
Which card has the lower income requirement?: slice credit card lists a minimum monthly income of ₹15,000.
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.

Card 1

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 2

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Card 3

slice credit card

Slice

Your adjusted comparison

Feature	HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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	SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice
Fees & eligibility
Annual fee	₹500	Lifetime free	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free	Lifetime free
Min income	₹20,000/mo	Not stated	₹15,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹800/yr	₹3,510/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	—	—
Top reward rate	10X points	1X reward points	Up to 1% cashback
Primary reward cap	₹2,500 eligible spend/mo	No monthly cap published	₹500 eligible spend/mo
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	Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusions	EMI · Fuel · Rent	Not stated	Rent · Wallet loads · EMI
Bonuses
Signup bonus	₹500	—	—

HDFC MoneyBack+ Credit Card details →IDFC FIRST WOW Credit Card details →slice credit card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons