Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs SBI Card against Fixed Deposit vs SBM ZET Credit Card
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, SBI Card against Fixed Deposit, SBM ZET Credit Card — 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 against Fixed Deposit
SBI Card
SBM ZET Credit Card
SBM Bank India
Your adjusted comparison
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card | SBM ZET Credit Card SBM Bank India |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | Not stated | Not stated | Not stated |
| Secured / FD-backed | FD-backed | FD-backed | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹620/yr | ₹1,440/yr | ₹1,561/yr |
| Top reward rate | 1X reward points | 80% of FD value | Lifetime free |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| 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) | Earns: Partner voucher discounts on ZET app — no published UPI % |
| Key exclusions | Not stated | Not stated | Cash withdrawal |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/idfc-first-wow-vs-sbi-fd-secured-vs-sbm-zetReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBM ZET Credit Card ranks first for estimated net annual value — ahead of SBI Card against Fixed Deposit by about ₹121/yr.
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
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card | SBM ZET Credit Card SBM Bank India |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | Not stated | Not stated | Not stated |
| Secured / FD-backed | FD-backed | FD-backed | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹620/yr | ₹1,440/yr | ₹1,561/yr |
| Top reward rate | 1X reward points | 80% of FD value | Lifetime free |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| 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) | Earns: Partner voucher discounts on ZET app — no published UPI % |
| Key exclusions | Not stated | Not stated | Cash withdrawal |
| Bonuses | |||
| 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?
- SBM ZET Credit Card leads with an estimated ₹1,561/yr net annual value on moderate spend.
- 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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