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IDFC FIRST WOW Credit Card vs OneCard Metal Credit Card

Honest side-by-side comparison of IDFC FIRST WOW Credit Card, OneCard Metal Credit Card — 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

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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

OneCard Metal Credit Card

OneCard (BOB/FPL)

Your adjusted comparison

Feature
IDFC FIRST WOW Credit Card

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

OneCard Metal Credit Card

OneCard Metal Credit Card

OneCard (BOB/FPL)

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min incomeNot stated₹15,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr₹3,120/yr
Top reward rate1X reward points1% cashback
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&CsEarns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs
Key exclusionsNot statedEMI · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹3,260/yr combined NAV (₹140 vs best solo). Both annual fees apply.

IDFC FIRST WOW Credit Card details →OneCard Metal Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OneCard Metal Credit Card leads IDFC FIRST WOW Credit Card by about ₹2,500/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 OneCard Metal Credit Card comparison table
FeatureIDFC FIRST WOW Credit Card

IDFC FIRST Bank

OneCard Metal Credit Card

OneCard (BOB/FPL)

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min incomeNot stated₹15,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr₹3,120/yr
Top reward rate1X reward points1% cashback
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&CsEarns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs
Key exclusionsNot statedEMI · 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?
OneCard Metal Credit Card leads with an estimated ₹3,120/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.

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