Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs IRCTC ICICI Bank Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, IRCTC ICICI Bank Credit Card, Kotak Urbane Gold 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, IRCTC ICICI Bank Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST WOW Credit Card by about ₹80/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | IRCTC ICICI Bank Credit Card ICICI Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹1,999 |
| Fee waiver threshold | Lifetime free | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | Not stated | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | ₹880/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 1X reward points | 10% reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | None |
| 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 | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- IRCTC ICICI Bank Credit Card leads with an estimated ₹880/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- IRCTC ICICI Bank Credit Card 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.
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
IRCTC ICICI Bank Credit Card
ICICI Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
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 | ICICI BankClassic IRCTC ICICI Bank Credit Card •••• •••• •••• 4242 Quick facts IRCTC ICICI Bank Credit Card Top reward10% reward points Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IRCTC ICICI Bank Credit Card ICICI Bank | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | ₹1,999 |
| Fee waiver threshold | Lifetime free | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | Not stated | ₹20,000/mo | ₹30,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | ₹880/yr | ₹140/yr |
| Dining & delivery | — | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) |
| Travel | — | 10 pts per ₹150 spend → ₹83/mo (₹1,000/yr) | — |
| Top reward rate | 1X reward points | 10% reward points | 3X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Complimentary railway lounge access at select IRCTC partner stations · Railway lounge benefit — no spend milestone in public T&Cs | None |
| 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 | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/idfc-first-wow-vs-irctc-icici-vs-kotak-urbaneMore IDFC FIRST WOW Credit Card comparisons
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