IDFC FIRST Select Credit Card vs IDFC FIRST WOW! Credit Card
IDFC FIRST Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreExcellent
Annual FeeFree
Max Reward5%
IDFC FIRST BankScoreGood
Annual FeeFree
Max Reward2%
IDFC FIRST Select Credit Card leads overall with a CardCheck Score of 88/100 (+21 pts over IDFC FIRST WOW! Credit Card).
4-Pillar Head-to-Head Breakdown
IDFC vs IDFCReward Power
35%IDFC34/35
IDFC24/35
IDFC Wins
Fee Value & ROI
25%IDFC25/25
IDFC25/25
Tie (25/25)
Lounge & Travel
20%IDFC15/20
IDFC4/20
IDFC Wins
Forex & Access
20%IDFC14/20
IDFC14/20
Tie (14/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 88Best
- 67
- Rating Verdict
- Excellent
- Good
- Reward Power (35%)
- 34/35
- 24/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 14/20
- 14/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- IDFC FIRST Bank
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter
- FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends)
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- 45
- —
04—Interest
- APR (min)
- 8.5%
- 8.5%
- APR (max)
- 46.2%
- 46.2%
- Late payment fee
- ₹1,300
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 1%
- Max rate
- 5%Best
- 2%
- Points / ₹100
- 0.5
- 3Best
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹50,000
- Free
- Min CIBIL
- 720
- 0Best
- Invite only
Rows won
03of 06
03of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 88Best | 67 |
| Rating Verdict | Excellent | Good |
| Reward Power (35%) | 34/35 | 24/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter | FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends) |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | 45 | — |
04—Interest Differences highlighted | ||
| APR (min) | 8.5% | 8.5% |
| APR (max) | 46.2% | 46.2% |
| Late payment fee | ₹1,300 | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 1% |
| Max rate | 5%Best | 2% |
| Points / ₹100 | 0.5 | 3Best |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹50,000 | Free |
| Min CIBIL | 720 | 0Best |
| Invite only | ||
| Rows won | 03of 06 | 03of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST Select Credit Card | IDFC FIRST WOW! Credit Card |
|---|---|---|
| CardCheck Score | 88/100Excellent | 67/100Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 5% | 2% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 1.5% | 0% |
Choose IDFC FIRST Select Credit Card if:
Your spending centers around lifetime-free mid-tier — 6x on select categories + 2 lounge/quarter and you want direct partner rewards with IDFC FIRST Bank.
Choose IDFC FIRST WOW! Credit Card if:
Your spending aligns with fd-secured beginners — lifetime free, 0% forex, first coins (incl. up to 4x on eligible spends) and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: IDFC FIRST Select Credit Card vs IDFC FIRST WOW! Credit Card
- Which is better: IDFC FIRST Select Credit Card or IDFC FIRST WOW! Credit Card?
- IDFC FIRST Select Credit Card holds a higher overall rating with a CardCheck Score of 88/100 (Excellent) compared to 67/100 (Good) for IDFC FIRST WOW! Credit Card (a lead of +21 points). IDFC FIRST Select Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST Select Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IDFC FIRST WOW! Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between IDFC FIRST Select Credit Card and IDFC FIRST WOW! Credit Card?
- IDFC FIRST Select Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, IDFC FIRST WOW! Credit Card offers a base rate of 1% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IDFC FIRST Select Credit Card or IDFC FIRST WOW! Credit Card?
- IDFC FIRST Select Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, IDFC FIRST WOW! Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- IDFC FIRST Select Credit Card levies a foreign currency markup fee of 1.5%, while IDFC FIRST WOW! Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).