Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs IRCTC ICICI Bank Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, IRCTC ICICI Bank Credit Card, SBI Card against Fixed Deposit — 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 against Fixed Deposit ranks first for estimated net annual value — ahead of IRCTC ICICI Bank Credit Card by about ₹707/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | IRCTC ICICI Bank Credit Card ICICI Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | Not stated | ₹20,000 | Not stated |
| Top reward rate | 1X reward points | 10% reward points | 80% of FD value |
| Net annual value (moderate spend) | ₹800/yr | ₹1,063/yr | ₹1,770/yr |
| Secured / FD-backed | Yes | No | Yes |
| 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?
- SBI Card against Fixed Deposit leads with an estimated ₹1,770/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, SBI Card against Fixed Deposit are 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 CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | Not stated | ₹20,000 | Not stated |
| Top reward rate | 1X reward points | 10% reward points | 80% of FD value |
| Net value (moderate) | ₹800/yr | ₹1,063/yr | ₹1,770/yr |
| Secured / no bureau | FD-backed | Standard | FD-backed |
| Signup bonus | — | — | — |
More IDFC FIRST WOW Credit Card comparisons
- IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card
- IDFC FIRST WOW Credit Card vs AU Altura Credit Card
- IDFC FIRST WOW Credit Card vs AU Zenith Credit Card
- IDFC FIRST WOW Credit Card vs American Express Gold Card
- IDFC FIRST WOW Credit Card vs American Express Platinum Travel Card
- IDFC FIRST WOW Credit Card vs Amex Membership Rewards CC
- IDFC FIRST WOW Credit Card vs Axis Bank ACE Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Atlas Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Flipkart Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Magnus Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank My Zone Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Neo Credit Card