Side-by-side · honest numbers
ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card vs Kotak League Platinum
Honest side-by-side comparison of ICICI Sapphiro 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 Sapphiro Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹2,756/yr.
| Feature | ICICI Sapphiro Credit Card ICICI Bank | IDFC FIRST WOW Credit Card IDFC FIRST Bank | Kotak League Platinum Kotak Mahindra Bank |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹0 |
| Min income (monthly) | ₹75,000 | Not stated | ₹25,000 |
| Top reward rate | 4 RP/₹100 | 1X reward points | 2 RP/₹150 |
| Net annual value (moderate spend) | ₹3,556/yr | ₹800/yr | ₹590/yr |
| Secured / FD-backed | No | Yes | No |
| 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?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/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.
Your adjusted comparison
| Feature | 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 | 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 |
|---|---|---|---|
| Annual fee | ₹3,500 | ₹0 | ₹0 |
| Min income | ₹75,000 | Not stated | ₹25,000 |
| Top reward rate | 4 RP/₹100 | 1X reward points | 2 RP/₹150 |
| Net value (moderate) | ₹3,556/yr | ₹800/yr | ₹590/yr |
| Secured / no bureau | Standard | FD-backed | Standard |
| Signup bonus | ₹4,000 | — | — |
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