Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs IndusInd Bank Pinnacle Credit Card vs SBI Card ELITE
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, IndusInd Bank Pinnacle Credit Card, SBI Card ELITE — 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 Card ELITE ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹901/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹4,999 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹10,00,000/yr |
| Min income | Not stated | ₹75,000/mo | ₹60,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | -₹7,075/yr | ₹1,701/yr |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 1X reward points | 3X points/₹150 | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
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 Card ELITE leads with an estimated ₹1,701/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card ELITE lists a minimum monthly income of ₹60,000.
- 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.
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
SBI Card ELITE
SBI Card
Your adjusted comparison
| Feature | 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 | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | SBI CardPlatinum SBI Card ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹10,000 | ₹4,999 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹10,00,000/yr |
| Min income | Not stated | ₹75,000/mo | ₹60,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | -₹7,075/yr | ₹1,701/yr |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) |
| Top reward rate | 1X reward points | 3X points/₹150 | 5X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Not stated | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI · Government |
| Bonuses | |||
| Signup bonus | — | — | ₹5,000 |
IDFC FIRST WOW Credit Card details →IndusInd Bank Pinnacle Credit Card details →SBI Card ELITE details →
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https://cardhungry.com/in/en/compare/idfc-first-wow-vs-indusind-pinnacle-vs-sbi-eliteMore IDFC FIRST WOW Credit Card comparisons
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