Side-by-side · honest numbers
IDFC FIRST WOW Credit Card vs Standard Chartered Ultimate Credit Card
Honest side-by-side comparison of IDFC FIRST WOW Credit Card, Standard Chartered Ultimate 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
Customize your spend
Change spend profile or swap cards — results update live below.
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
Standard Chartered Ultimate Credit Card
Standard Chartered
Your adjusted comparison
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹5,000 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | Not stated | ₹60,000/mo |
| Secured / FD-backed | FD-backed | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹620/yr | ₹700/yr |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 1X reward points | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access |
| 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) |
| Key exclusions | Not stated | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹960/yr combined NAV (₹260 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/idfc-first-wow-vs-sc-ultimateReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Standard Chartered Ultimate Credit Card leads IDFC FIRST WOW Credit Card by about ₹80/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
| Feature | IDFC FIRST WOW Credit Card IDFC FIRST Bank | Standard Chartered Ultimate Credit Card Standard Chartered |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹5,000 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | Not stated | ₹60,000/mo |
| Secured / FD-backed | FD-backed | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹620/yr | ₹700/yr |
| Travel | — | ₹3,000 × 5% = ₹150/mo (₹1,800/yr) · issuer max ₹5,000/mo |
| Top reward rate | 1X reward points | 5% |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Complimentary domestic + international airport lounge access (Priority Pass) · No minimum spend required for lounge access |
| 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) |
| Key exclusions | Not stated | EMI · Fuel · Rent |
| 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?
- Standard Chartered Ultimate Credit Card leads with an estimated ₹700/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Standard Chartered Ultimate Credit Card 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.
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 Altura+ Credit Card
- IDFC FIRST WOW Credit Card vs AU LIT 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 American Express SmartEarn Credit 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 Airtel Credit Card
- IDFC FIRST WOW Credit Card vs Axis Bank Atlas Credit Card