Side-by-side · honest numbers
Swiggy ORNGE HDFC Bank Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of Swiggy ORNGE HDFC Bank Credit Card, 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.
Swiggy ORNGE HDFC Bank Credit Card
HDFC Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | IDFC FIRST Bank WOW 6521 2227 596 -176 Valid thru 12/28 Acc CREDIT Card holder IDFC FIRST WOW CREDIT Customer service IDFC FIRST Bank · 1800-XXX-XXXX Authorized signature CVV••• IDFC FIRST WOW Credit Card Top reward: 1X reward points Annual fee: Lifetime Free Property of IDFC FIRST Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | ₹620/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo | — |
| Dining & delivery | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 5% | 1X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| 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 loads | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹8,330/yr combined NAV (₹350 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-swiggy-ornge-vs-idfc-first-wowReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Swiggy ORNGE HDFC Bank Credit Card leads IDFC FIRST WOW Credit Card by about ₹7,360/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
| Feature | Swiggy ORNGE HDFC Bank Credit Card HDFC Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹7,980/yr | ₹620/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo | — |
| Dining & delivery | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 5% | 1X reward points |
| Primary reward cap | ₹1,500 rewards/mo cap | No monthly cap published |
| 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 loads | Not stated |
| 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?
- Swiggy ORNGE HDFC Bank Credit Card leads with an estimated ₹7,980/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Swiggy ORNGE HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
- 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.
More Swiggy ORNGE HDFC Bank Credit Card comparisons
- Swiggy ORNGE HDFC Bank Credit Card vs 811 Dream Different Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs AU Altura Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs AU Zenith Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs American Express Gold Card
- Swiggy ORNGE HDFC Bank Credit Card vs American Express Platinum Travel Card
- Swiggy ORNGE HDFC Bank Credit Card vs American Express SmartEarn Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Amex Membership Rewards CC
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank ACE Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Airtel Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Atlas Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Flipkart Credit Card
- Swiggy ORNGE HDFC Bank Credit Card vs Axis Bank Magnus Credit Card