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 Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.

Which cards are secured (FD-backed)?

IDFC FIRST WOW Credit Card, SBI Card against Fixed Deposit are 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 Cashback Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of IDFC FIRST WOW Credit Card, SBI Cashback Credit Card, SBI Card against Fixed Deposit — 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 Cashback Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹4,980/yr.

IDFC FIRST WOW Credit Card vs SBI Cashback Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	IDFC FIRST WOW Credit Card IDFC FIRST Bank	SBI Cashback Credit Card SBI Card	SBI Card against Fixed Deposit SBI Card
Annual fee	₹0	₹999	₹0
Min income (monthly)	Not stated	₹25,000	Not stated
Top reward rate	1X reward points	5%	80% of FD value
Net annual value (moderate spend)	₹800/yr	₹6,750/yr	₹1,770/yr
Secured / FD-backed	Yes	No	Yes
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?: SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI Cashback Credit Card lists a minimum monthly income of ₹25,000.
Which cards are secured (FD-backed)?: IDFC FIRST WOW Credit Card, SBI Card against Fixed Deposit are 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.

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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 CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Annual fee	₹0	₹999	₹0
Min income	Not stated	₹25,000	Not stated
Top reward rate	1X reward points	5%	80% of FD value
Net value (moderate)	₹800/yr	₹6,750/yr	₹1,770/yr
Secured / no bureau	FD-backed	Standard	FD-backed
Signup bonus	—	—	—

IDFC FIRST WOW Credit Card details →SBI Cashback Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More IDFC FIRST WOW Credit Card comparisons