Side-by-side · honest numbers
ICICI Platinum Chip vs IDFC FIRST WOW Credit Card vs IRCTC ICICI Bank Credit Card
Honest side-by-side comparison of ICICI Platinum Chip, IDFC FIRST WOW Credit Card, IRCTC ICICI Bank 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, IRCTC ICICI Bank Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹263/yr.
| Feature | ICICI Platinum Chip ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | ₹18,000 | Not stated | ₹20,000 |
| Top reward rate | 1 RP/₹150 | 1X reward points | 10% reward points |
| Net annual value (moderate spend) | -₹142/yr | ₹800/yr | ₹1,063/yr |
| Secured / FD-backed | No | Yes | No |
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- IRCTC ICICI Bank Credit Card leads with an estimated ₹1,063/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
- 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 | ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip 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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | ₹18,000 | Not stated | ₹20,000 |
| Top reward rate | 1 RP/₹150 | 1X reward points | 10% reward points |
| Net value (moderate) | -₹142/yr | ₹800/yr | ₹1,063/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | — | — | — |
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