Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs SBI Card ELITE vs SBI Card PRIME
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, SBI Card ELITE, SBI Card PRIME — 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 ELITE ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹200/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI Card ELITE SBI Card | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹4,999 | ₹2,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr | ₹5,00,000/yr |
| Min income | Not stated | ₹60,000/mo | ₹45,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | ₹1,701/yr | ₹1,501/yr |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 1X reward points | 5X reward points | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | Domestic lounge visits per year — verify count |
| 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) | Not supported (Visa/MC) |
| Key exclusions | Not stated | Fuel · Rent · Wallet · EMI · Government | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | ₹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?
- SBI Card ELITE leads with an estimated ₹1,701/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI Card PRIME lists a minimum monthly income of ₹45,000.
- 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.
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
SBI Card ELITE
SBI Card
SBI Card PRIME
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 ELITE •••• •••• •••• 4242 Quick facts SBI Card ELITE Top reward5X reward points Annual fee₹4,999 Min income₹60,000/mo Tap to flip back SBI Card ELITE SBI Card | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹4,999 | ₹2,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr | ₹5,00,000/yr |
| Min income | Not stated | ₹60,000/mo | ₹45,000/mo |
| Secured / FD-backed | FD-backed | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹800/yr | ₹1,701/yr | ₹1,501/yr |
| Travel | — | 8 pts per ₹150 spend → ₹67/mo (₹800/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 1X reward points | 5X reward points | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 8 complimentary domestic lounge visits per year · No minimum spend required for lounge access | Domestic lounge visits per year — verify count |
| 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) | Not supported (Visa/MC) |
| Key exclusions | Not stated | Fuel · Rent · Wallet · EMI · Government | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | ₹5,000 | ₹3,000 |
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https://cardhungry.com/in/en/compare/idfc-first-wow-vs-sbi-elite-vs-sbi-primeMore IDFC FIRST WOW Credit Card comparisons
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