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?

SBI SimplyCLICK lists a minimum monthly income of ₹20,000.

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 SimplyCLICK

Honest side-by-side comparison of ICICI Sapphiro Credit Card, IDFC FIRST WOW Credit Card, SBI SimplyCLICK — 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 SBI SimplyCLICK by about ₹1,775/yr.

ICICI Sapphiro Credit Card vs IDFC FIRST WOW Credit Card vs SBI SimplyCLICK comparison table
Feature	ICICI Sapphiro Credit Card ICICI Bank	IDFC FIRST WOW Credit Card IDFC FIRST Bank	SBI SimplyCLICK SBI Card
Annual fee	₹3,500	₹0	₹499
Min income (monthly)	₹75,000	Not stated	₹20,000
Top reward rate	4 RP/₹100	1X reward points	10X points
Net annual value (moderate spend)	₹3,556/yr	₹800/yr	₹1,781/yr
Secured / FD-backed	No	Yes	No
Signup bonus	₹4,000	—	₹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?: ICICI Sapphiro Credit Card leads with an estimated ₹3,556/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
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 SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Annual fee	₹3,500	₹0	₹499
Min income	₹75,000	Not stated	₹20,000
Top reward rate	4 RP/₹100	1X reward points	10X points
Net value (moderate)	₹3,556/yr	₹800/yr	₹1,781/yr
Secured / no bureau	Standard	FD-backed	Standard
Signup bonus	₹4,000	—	₹500

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

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More ICICI Sapphiro Credit Card comparisons