Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of 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.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
ICICI Sapphiro Credit Card
ICICI Bank
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹75,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | -₹1,862/yr | ₹620/yr |
| Top reward rate | 4 RP/₹100 | 1X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year | None |
| 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 | Not stated |
| Bonuses | ||
| Signup bonus | ₹4,000 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/in/en/compare/icici-sapphiro-vs-idfc-first-wowReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IDFC FIRST WOW Credit Card leads ICICI Sapphiro Credit Card by about ₹2,482/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 | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹75,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | -₹1,862/yr | ₹620/yr |
| Top reward rate | 4 RP/₹100 | 1X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year | None |
| 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 | Not stated |
| Bonuses | ||
| 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?
- IDFC FIRST WOW Credit Card leads with an estimated ₹620/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Sapphiro Credit Card lists a minimum monthly income of ₹75,000.
- 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.
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