Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card vs slice credit card
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, 811 Dream Different Credit Card, slice 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 slice credit card by about ₹4,820/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | 811 Dream Different Credit Card Kotak Mahindra Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | Not stated | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | ₹8,330/yr | ₹3,510/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Top reward rate | 1X reward points | 5% | Up to 1% cashback |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap | ₹500 eligible spend/mo |
| UPI rewards | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Not stated | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| 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?
- slice 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.
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
811 Dream Different Credit Card
Kotak Mahindra Bank
slice credit card
Slice
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 | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | Not stated | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | ₹8,330/yr | ₹3,510/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Top reward rate | 1X reward points | 5% | Up to 1% cashback |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap | ₹500 eligible spend/mo |
| UPI rewards | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs | Earns: 5% on online; 1% on other eligible spends · cap ₹500/month online cashback cap | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | Not stated | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/idfc-first-wow-vs-kotak-811-dream-vs-slice-credit-cardMore IDFC FIRST WOW Credit Card comparisons
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