Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, 811 Dream Different 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, 811 Dream Different Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹6,560/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra 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 | 5% | 80% of FD value |
| Net annual value (moderate spend) | ₹800/yr | ₹8,330/yr | ₹1,770/yr |
| Secured / FD-backed | Yes | No | Yes |
| 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?
- 811 Dream Different 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 | 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 | 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 | 5% | 80% of FD value |
| Net value (moderate) | ₹800/yr | ₹8,330/yr | ₹1,770/yr |
| Secured / no bureau | FD-backed | Standard | FD-backed |
| Signup bonus | — | ₹500 | — |
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