Side-by-side · honest numbers
Swiggy HDFC Bank Credit Card vs ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of Swiggy HDFC Bank Credit Card, ICICI Sapphiro Credit Card, IDFC FIRST WOW 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, Swiggy HDFC Bank Credit Card ranks first for estimated net annual value — ahead of ICICI Sapphiro Credit Card by about ₹8,594/yr.
| Feature | Swiggy HDFC Bank Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Annual fee | ₹500 | ₹3,500 | ₹0 |
| Min income (monthly) | ₹25,000 | ₹75,000 | Not stated |
| Top reward rate | 10% | 4 RP/₹100 | 1X reward points |
| Net annual value (moderate spend) | ₹12,150/yr | ₹3,556/yr | ₹800/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹4,000 | — |
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?
- Swiggy HDFC Bank Credit Card leads with an estimated ₹12,150/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Swiggy 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.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | HDFC BankGold Swiggy HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Swiggy HDFC Bank Credit Card Top reward10% Annual fee₹500 Min income₹25,000/mo Tap to flip back Swiggy HDFC Bank Credit Card HDFC Bank | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI 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 |
|---|---|---|---|
| Annual fee | ₹500 | ₹3,500 | ₹0 |
| Min income | ₹25,000 | ₹75,000 | Not stated |
| Top reward rate | 10% | 4 RP/₹100 | 1X reward points |
| Net value (moderate) | ₹12,150/yr | ₹3,556/yr | ₹800/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹4,000 | — |
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