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?

ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.

Which card has the lower income requirement?

Kotak League Platinum 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.

Side-by-side · honest numbers

ICICI Bank MakeMyTrip Credit Card vs IDFC FIRST WOW Credit Card vs Kotak League Platinum

Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, IDFC FIRST WOW Credit Card, Kotak League Platinum — 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, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹3,100/yr.

ICICI Bank MakeMyTrip Credit Card vs IDFC FIRST WOW Credit Card vs Kotak League Platinum comparison table
Feature	ICICI Bank MakeMyTrip Credit Card ICICI Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	Kotak League Platinum Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹35,000/mo	Not stated	₹25,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	₹800/yr	₹590/yr
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	1X reward points	2 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published	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	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,500	—	—

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?: ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/yr net annual value on moderate spend.
Which card has the lower income requirement?: Kotak League Platinum 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.

Card 1

ICICI Bank MakeMyTrip Credit Card

ICICI Bank

Card 2

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Card 3

Kotak League Platinum

Kotak Mahindra Bank

Your adjusted comparison

Feature	ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip 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	Kotak Mahindra BankPlatinum Kotak League Platinum •••• •••• •••• 4242 Quick facts Kotak League Platinum Top reward2 RP/₹150 Annual feeLifetime Free Min income₹25,000/mo Tap to flip back Kotak League Platinum Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹999	Lifetime free	Lifetime free
Fee waiver threshold	Waived at ₹3,00,000/yr spend	Lifetime free	Lifetime free
Min income	₹35,000/mo	Not stated	₹25,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹3,900/yr	₹800/yr	₹590/yr
Travel	15 pts per ₹150 spend → ₹125/mo (₹1,500/yr)	—	—
Top reward rate	10X reward points	1X reward points	2 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published	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	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	Not stated	EMI · Fuel · Rent
Bonuses
Signup bonus	₹1,500	—	—

ICICI Bank MakeMyTrip Credit Card details →IDFC FIRST WOW Credit Card details →Kotak League Platinum details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Bank MakeMyTrip Credit Card comparisons