Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs SBI SimplyCLICK vs SBI SimplySAVE
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, SBI SimplyCLICK, SBI SimplySAVE — 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 SimplySAVE ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹3,700/yr.
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | SBI SimplyCLICK SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹499 | ₹499 |
| Min income (monthly) | Not stated | ₹20,000 | ₹18,000 |
| Top reward rate | 1X reward points | 10X points | 10 RP/₹100 |
| Net annual value (moderate spend) | ₹800/yr | ₹1,781/yr | ₹5,481/yr |
| Secured / FD-backed | Yes | No | No |
| Signup bonus | — | ₹500 | ₹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 SimplySAVE leads with an estimated ₹5,481/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplySAVE lists a minimum monthly income of ₹18,000.
- 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.
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 SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card | SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card |
|---|---|---|---|
| Annual fee | ₹0 | ₹499 | ₹499 |
| Min income | Not stated | ₹20,000 | ₹18,000 |
| Top reward rate | 1X reward points | 10X points | 10 RP/₹100 |
| Net value (moderate) | ₹800/yr | ₹1,781/yr | ₹5,481/yr |
| Secured / no bureau | FD-backed | Standard | Standard |
| Signup bonus | — | ₹500 | ₹2,000 |
More IDFC FIRST WOW Credit Card comparisons
- IDFC FIRST WOW Credit Card vs 811 Dream Different Credit Card
- IDFC FIRST WOW Credit Card vs AU Altura Credit Card
- IDFC FIRST WOW Credit Card vs AU Zenith Credit Card
- IDFC FIRST WOW Credit Card vs American Express Gold Card
- IDFC FIRST WOW Credit Card vs American Express Platinum Travel Card
- IDFC FIRST WOW Credit Card vs Amex Membership Rewards CC
- IDFC FIRST WOW Credit Card vs Axis Bank ACE Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Atlas Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Flipkart Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Magnus Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank My Zone Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Neo Credit Card