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IDFC FIRST Select Credit Card vs SBI Cashback Credit Card

Honest side-by-side comparison of IDFC FIRST Select Credit Card, SBI Cashback 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.

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI Cashback Credit Card

SBI Card

Your adjusted comparison

Feature
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual feeLifetime free₹999
Fee waiver thresholdLifetime freeWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Top reward rate3X reward points5%
Primary reward capNo monthly cap published₹2,000 rewards/mo cap
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹6,181/yr combined NAV (₹661 vs best solo). Both annual fees apply.

IDFC FIRST Select Credit Card details →SBI Cashback Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads IDFC FIRST Select Credit Card by about ₹4,139/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

IDFC FIRST Select Credit Card vs SBI Cashback Credit Card comparison table
FeatureIDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI Cashback Credit Card

SBI Card

Fees & eligibility
Annual feeLifetime free₹999
Fee waiver thresholdLifetime freeWaived at ₹2,00,000/yr spend
Min income₹30,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹5,520/yr
Online shopping—₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo
Top reward rate3X reward points5%
Primary reward capNo monthly cap published₹2,000 rewards/mo cap
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · RentFuel · Utilities · Insurance · Rent · Wallet loads
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select 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 ₹5,520/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.
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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