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.

Side-by-side · honest numbers

ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of ICICI Sapphiro 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 Sapphiro Credit Card by about ₹3,194/yr.

ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card vs SBI Cashback Credit Card comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	SBI Cashback Credit Card SBI Card
Annual fee	₹3,500	₹0	₹999
Min income (monthly)	₹75,000	Not stated	₹25,000
Top reward rate	4 RP/₹100	1X reward points	5%
Net annual value (moderate spend)	₹3,556/yr	₹800/yr	₹6,750/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?: 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.

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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	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
Annual fee	₹3,500	₹0	₹999
Min income	₹75,000	Not stated	₹25,000
Top reward rate	4 RP/₹100	1X reward points	5%
Net value (moderate)	₹3,556/yr	₹800/yr	₹6,750/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹4,000	—	—

ICICI Sapphiro Credit Card details →IDFC FIRST WOW Credit Card details →SBI Cashback Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Sapphiro Credit Card comparisons