Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs IRCTC ICICI Bank Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, IRCTC ICICI Bank Credit Card, SBI BPCL Octane — 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 BPCL Octane ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹8,507/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | IRCTC ICICI Bank Credit Card ICICI Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹1,499 |
| Min income (monthly) | Not stated | ₹20,000 | ₹30,000 |
| Top reward rate | 1X reward points | 10% reward points | 25X points |
| Net annual value (moderate spend) | ₹800/yr | ₹1,063/yr | ₹9,570/yr |
| Secured / FD-backed | Yes | No | No |
| Signup bonus | — | — | ₹6,000 |
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 BPCL Octane leads with an estimated ₹9,570/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.
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 | SBI CardPlatinum SBI BPCL Octane •••• •••• •••• 4242 Quick facts SBI BPCL Octane Top reward25X points Annual fee₹1,499 Min income₹30,000/mo Tap to flip back SBI BPCL Octane SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹1,499 |
| Min income | Not stated | ₹20,000 | ₹30,000 |
| Top reward rate | 1X reward points | 10% reward points | 25X points |
| Net value (moderate) | ₹800/yr | ₹1,063/yr | ₹9,570/yr |
| Secured / no bureau | FD-backed | Standard | Standard |
| Signup bonus | — | — | ₹6,000 |
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