Side-by-side · honest numbers
HDFC Regalia Gold vs IDFC FIRST WOW Credit Card vs slice credit card
Honest side-by-side comparison of HDFC Regalia Gold, 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, HDFC Regalia Gold ranks first for estimated net annual value — ahead of slice credit card by about ₹2,046/yr.
| Feature | HDFC Regalia Gold HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹2,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹50,000/mo | Not stated | ₹15,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹800/yr | ₹3,510/yr |
| Top reward rate | 4 RP/₹150 | 1X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | 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 | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Rent · Wallet loads · EMI |
| 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?
- HDFC Regalia Gold leads with an estimated ₹5,556/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.
HDFC Regalia Gold
HDFC Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
slice credit card
Slice
Your adjusted comparison
| Feature | HDFC BankPlatinum HDFC Regalia Gold •••• •••• •••• 4242 Quick facts HDFC Regalia Gold Top reward4 RP/₹150 Annual fee₹2,500 Min income₹50,000/mo Tap to flip back HDFC Regalia Gold 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 | ₹2,500 | Lifetime free | Lifetime free |
| Fee waiver threshold | Waived at ₹4,00,000/yr spend | Lifetime free | Lifetime free |
| Min income | ₹50,000/mo | Not stated | ₹15,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,556/yr | ₹800/yr | ₹3,510/yr |
| Top reward rate | 4 RP/₹150 | 1X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Up to 2 lounge vouchers/quarter · ₹1,00,000 spend per calendar quarter — generate voucher on Regalia SmartBuy (intl PP separate) | 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 | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | Not stated | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹2,500 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-regalia-gold-vs-idfc-first-wow-vs-slice-credit-cardMore HDFC Regalia Gold comparisons
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