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IDFC FIRST WOW Credit Card vs Kotak League Platinum

Honest side-by-side comparison of IDFC FIRST WOW Credit Card, Kotak League Platinum — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Kotak League Platinum

Kotak Mahindra Bank

Your adjusted comparison

Feature
IDFC FIRST WOW Credit Card

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Kotak League Platinum credit card

Kotak League Platinum

Kotak Mahindra Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹25,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr₹911/yr
Top reward rate1X reward points2 RP/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsEarns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&CsNot supported (Visa/MC)
Key exclusionsNot statedEMI · Fuel · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹1,261/yr combined NAV (₹350 vs best solo). Both annual fees apply.

IDFC FIRST WOW Credit Card details →Kotak League Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak League Platinum leads IDFC FIRST WOW Credit Card by about ₹291/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

IDFC FIRST WOW Credit Card vs Kotak League Platinum comparison table
FeatureIDFC FIRST WOW Credit Card

IDFC FIRST Bank

Kotak League Platinum

Kotak Mahindra Bank

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹25,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr₹911/yr
Top reward rate1X reward points2 RP/₹150
Primary reward capNo monthly cap publishedNo monthly cap published
UPI rewardsEarns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&CsNot supported (Visa/MC)
Key exclusionsNot statedEMI · Fuel · Rent
Bonuses
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?
Kotak League Platinum leads with an estimated ₹911/yr net annual value on moderate spend.
Which card has the lower income requirement?
Kotak League Platinum lists a minimum monthly income of ₹25,000.
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.

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