Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, 811 Dream Different Credit Card, OneCard Metal 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, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹4,370/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income (monthly) | Not stated | ₹20,000 | ₹15,000 |
| Top reward rate | 1X reward points | 5% | 1% cashback |
| Net annual value (moderate spend) | ₹800/yr | ₹8,330/yr | ₹3,960/yr |
| Secured / FD-backed | Yes | No | No |
| Signup bonus | — | ₹500 | — |
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?
- 811 Dream Different Credit Card leads with an estimated ₹8,330/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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 | Kotak Mahindra BankGold 811 Dream Different Credit Card •••• •••• •••• 4242 Quick facts 811 Dream Different Credit Card Top reward5% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back 811 Dream Different Credit Card Kotak Mahindra Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Annual fee | ₹0 | ₹0 | ₹0 |
| Min income | Not stated | ₹20,000 | ₹15,000 |
| Top reward rate | 1X reward points | 5% | 1% cashback |
| Net value (moderate) | ₹800/yr | ₹8,330/yr | ₹3,960/yr |
| Secured / no bureau | FD-backed | Standard | Standard |
| Signup bonus | — | ₹500 | — |
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