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 ₹620/yr net annual value on moderate spend.

Which card has the lower income requirement?

HDFC Regalia Gold lists a minimum monthly income of ₹50,000.

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 Regalia Gold vs IDFC FIRST WOW Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, IDFC FIRST WOW Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Your adjusted comparison

Feature	HDFC Regalia Gold HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹2,500	Lifetime free
Fee waiver threshold	₹4,00,000/yr	Lifetime free
Min income	₹50,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹670/yr	₹620/yr
Top reward rate	5 RP/₹200	1X reward points
Primary reward cap	₹15,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	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
Key exclusions	EMI · Fuel · Rent · Wallet	Not stated
Bonuses
Signup bonus	₹2,500	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold details →IDFC FIRST WOW Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST WOW Credit Card leads HDFC Regalia Gold by about ₹1,290/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC Regalia Gold vs IDFC FIRST WOW Credit Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank
Fees & eligibility
Annual fee	₹2,500	Lifetime free
Fee waiver threshold	₹4,00,000/yr	Lifetime free
Min income	₹50,000/mo	Not stated
Secured / FD-backed	Standard	FD-backed
Rewards
Net annual value (moderate)	-₹670/yr	₹620/yr
Top reward rate	5 RP/₹200	1X reward points
Primary reward cap	₹15,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	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
Key exclusions	EMI · Fuel · Rent · Wallet	Not stated
Bonuses
Signup bonus	₹2,500	—

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?: IDFC FIRST WOW Credit Card leads with an estimated ₹620/yr net annual value on moderate spend.
Which card has the lower income requirement?: HDFC Regalia Gold lists a minimum monthly income of ₹50,000.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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