Side-by-side · honest numbers
ICICI Bank MakeMyTrip Credit Card vs IDFC FIRST WOW Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of ICICI Bank MakeMyTrip Credit Card, IDFC FIRST WOW Credit Card, SBI Cashback 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, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of ICICI Bank MakeMyTrip Credit Card by about ₹2,850/yr.
| Feature | ICICI Bank MakeMyTrip Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | Waived at ₹2,00,000/yr spend |
| 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 | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — | — |
| Top reward rate | 10X reward points | 1X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,000 rewards/mo cap |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads |
| 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?
- SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Cashback 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.
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
SBI Cashback Credit Card
SBI Card
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 | SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹999 | Lifetime free | ₹999 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | Waived at ₹2,00,000/yr spend |
| 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 | ₹6,750/yr |
| Online shopping | — | — | 5% cashback → ₹500/mo (₹6,000/yr) |
| Travel | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) | — | — |
| Top reward rate | 10X reward points | 1X reward points | 5% |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,000 rewards/mo cap |
| 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 | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | |||
| Signup bonus | ₹1,500 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/icici-makemytrip-vs-idfc-first-wow-vs-sbi-cashbackMore ICICI Bank MakeMyTrip Credit Card comparisons
- ICICI Bank MakeMyTrip Credit Card vs 811 Dream Different Credit Card
- ICICI Bank MakeMyTrip Credit Card vs AU Altura Credit Card
- ICICI Bank MakeMyTrip Credit Card vs AU Zenith Credit Card
- ICICI Bank MakeMyTrip Credit Card vs American Express Gold Card
- ICICI Bank MakeMyTrip Credit Card vs American Express Platinum Travel Card
- ICICI Bank MakeMyTrip Credit Card vs American Express SmartEarn Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Amex Membership Rewards CC
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank ACE Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Airtel Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Atlas Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Flipkart Credit Card
- ICICI Bank MakeMyTrip Credit Card vs Axis Bank Magnus Credit Card