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?

SBI Card MILES leads with an estimated ₹3,290/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Card MILES lists a minimum monthly income of ₹35,000.

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.

Side-by-side · honest numbers

IDFC FIRST WOW Credit Card vs SBI Card MILES

Honest side-by-side comparison of IDFC FIRST WOW Credit Card, SBI Card MILES — 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, SBI Card MILES leads IDFC FIRST WOW Credit Card by about ₹2,490/yr in estimated net value.

IDFC FIRST WOW Credit Card vs SBI Card MILES comparison table
Feature	IDFC FIRST WOW Credit Card IDFC FIRST Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹1,499
Fee waiver threshold	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	Not stated	₹35,000/mo
Secured / FD-backed	FD-backed	Standard
Rewards
Net annual value (moderate)	₹800/yr	₹3,290/yr
Travel	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	1X reward points	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs	Not supported (Visa/MC)
Key exclusions	Not stated	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹2,000

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?: SBI Card MILES leads with an estimated ₹3,290/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Card MILES lists a minimum monthly income of ₹35,000.
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.

Card 1

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

Card 2

SBI Card MILES

SBI Card

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	SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	₹1,499
Fee waiver threshold	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	Not stated	₹35,000/mo
Secured / FD-backed	FD-backed	Standard
Rewards
Net annual value (moderate)	₹800/yr	₹3,290/yr
Travel	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	1X reward points	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published
UPI rewards	Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs	Not supported (Visa/MC)
Key exclusions	Not stated	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	₹2,000

IDFC FIRST WOW Credit Card details →SBI Card MILES details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IDFC FIRST WOW Credit Card comparisons