Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs RBL World Safari vs Standard Chartered Smart Card
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, RBL World Safari, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of RBL World Safari by about ₹1,483/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | RBL World Safari RBL Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹3,000 | ₹499 |
| Min income (monthly) | Not stated | ₹50,000 | ₹30,000 |
| Top reward rate | 1X reward points | 4X points | 2% cashback |
| Net annual value (moderate spend) | ₹800/yr | ₹2,248/yr | ₹3,731/yr |
| Secured / FD-backed | Yes | No | No |
| Signup bonus | — | ₹3,000 | — |
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?
- Standard Chartered Smart Card leads with an estimated ₹3,731/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
- 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.
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 | RBL BankPlatinum RBL World Safari •••• •••• •••• 4242 Quick facts RBL World Safari Top reward4X points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back RBL World Safari RBL Bank | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Annual fee | ₹0 | ₹3,000 | ₹499 |
| Min income | Not stated | ₹50,000 | ₹30,000 |
| Top reward rate | 1X reward points | 4X points | 2% cashback |
| Net value (moderate) | ₹800/yr | ₹2,248/yr | ₹3,731/yr |
| Secured / no bureau | FD-backed | Standard | Standard |
| Signup bonus | — | ₹3,000 | — |
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