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IDFC FIRST WOW Credit Card vs SBI Card ELITE

Honest side-by-side comparison of IDFC FIRST WOW Credit Card, SBI Card ELITE — 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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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

SBI Card ELITE

SBI Card

Your adjusted comparison

Feature
IDFC FIRST WOW Credit Card

IDFC FIRST WOW Credit Card

IDFC FIRST Bank

SBI Card ELITE credit card

SBI Card ELITE

SBI Card

Fees & eligibility
Annual feeLifetime free₹4,999
Fee waiver thresholdLifetime free₹10,00,000/yr
Min incomeNot stated₹60,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr-₹3,818/yr
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Top reward rate1X reward points5X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
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 statedFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus—₹5,000

Stack mode (hold both)

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

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

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST WOW Credit Card leads SBI Card ELITE by about ₹4,438/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 SBI Card ELITE comparison table
FeatureIDFC FIRST WOW Credit Card

IDFC FIRST Bank

SBI Card ELITE

SBI Card

Fees & eligibility
Annual feeLifetime free₹4,999
Fee waiver thresholdLifetime free₹10,00,000/yr
Min incomeNot stated₹60,000/mo
Secured / FD-backedFD-backedStandard
Rewards
Net annual value (moderate)₹620/yr-₹3,818/yr
Groceries (offline)—₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr)
Dining & delivery—₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr)
Top reward rate1X reward points5X reward points
Primary reward capNo monthly cap publishedNo monthly cap published
Perks & restrictions
Lounge accessNone6 domestic + 2 international airport lounge visits per year · No minimum spend required for lounge access
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 statedFuel · Rent · Wallet · EMI · Government
Bonuses
Signup bonus—₹5,000

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?
IDFC FIRST WOW Credit Card leads with an estimated ₹620/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI Card ELITE lists a minimum monthly income of ₹60,000.
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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