CardHungry

Side-by-side · honest numbers

IDFC FIRST WOW Credit Card vs RBL Bank ShopRite

Honest side-by-side comparison of IDFC FIRST WOW Credit Card, RBL Bank ShopRite — 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

RBL Bank ShopRite

RBL Bank

Your adjusted comparison

Feature
IDFC FIRST WOW Credit Card

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

RBL Bank ShopRite credit card

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹15,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr-₹30/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate1X reward points5% on first ₹1,000/mo
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
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)

Holding both may not beat using only the better solo card on this spend.

IDFC FIRST WOW Credit Card details →RBL Bank ShopRite details →

Share this comparison

https://cardhungry.com/in/en/compare/idfc-first-wow-vs-rbl-shoprite

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST WOW Credit Card leads RBL Bank ShopRite by about ₹650/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 RBL Bank ShopRite comparison table
FeatureIDFC FIRST WOW Credit Card

IDFC FIRST Bank

RBL Bank ShopRite

RBL Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeNo waiver published
Min incomeNot stated₹15,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr-₹30/yr
Groceries (offline)—₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached
Top reward rate1X reward points5% on first ₹1,000/mo
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
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?
IDFC FIRST WOW Credit Card leads with an estimated ₹620/yr net annual value on moderate spend.
Which card has the lower income requirement?
RBL Bank ShopRite 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.

More IDFC FIRST WOW Credit Card comparisons