IDFC FIRST WOW! Credit Card vs SimplySAVE SBI Card
IDFC FIRST Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IDFC FIRST BankScoreGood
Annual FeeFree
Max Reward2%
SBI CardScoreGood
Annual Fee₹499
Max Reward2.5%
IDFC FIRST WOW! Credit Card leads overall with a CardCheck Score of 67/100 (+3 pts over SimplySAVE SBI Card).
4-Pillar Head-to-Head Breakdown
IDFC vs SimplySAVEReward Power
35%IDFC24/35
SimplySAVE24/35
Tie (24/35)
Fee Value & ROI
25%IDFC25/25
SimplySAVE24/25
IDFC Wins
Lounge & Travel
20%IDFC4/20
SimplySAVE4/20
Tie (4/20)
Forex & Access
20%IDFC14/20
SimplySAVE12/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 67Best
- 64
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 24/35
- 24/35
- Fee Value & ROI (25%)
- 25/25
- 24/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- IDFC FIRST Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends)
- Shopping rewards
03—Fees
- Joining fee
- FreeBest
- ₹499
- Annual fee
- FreeBest
- ₹499
- Fee waiver
- —
- ₹1,00,000
- Interest-free days
- 45
- 50Best
04—Interest
- APR (min)
- 8.5%Best
- 29.97%
- APR (max)
- 46.2%Best
- 60%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.12%
- 0.25%Best
- Max rate
- 2%
- 2.5%Best
- Points / ₹100
- 3Best
- 0.67
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 0
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 0%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Invite only
Rows won
07of 10
03of 10
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67Best | 64 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 24/35 | 24/35 |
| Fee Value & ROI (25%) | 25/25 | 24/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | IDFC FIRST Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends) | Shopping rewards |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹499 |
| Annual fee | FreeBest | ₹499 |
| Fee waiver | — | ₹1,00,000 |
| Interest-free days | 45 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 8.5%Best | 29.97% |
| APR (max) | 46.2%Best | 60% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.12% | 0.25%Best |
| Max rate | 2% | 2.5%Best |
| Points / ₹100 | 3Best | 0.67 |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 0 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 0%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Invite only | ||
| Rows won | 07of 10 | 03of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST WOW! Credit Card | SimplySAVE SBI Card |
|---|---|---|
| CardCheck Score | 67/100Good | 64/100Good |
| Annual Fee | Free (₹0) | ₹499 |
| Fee Waiver Spend | No waiver | ₹1L/yr |
| Max Reward Potential | 2% | 2.5% |
| Domestic Lounge Access | Check terms | None |
| International Lounge | None | None |
| Forex Markup Fee | 0% | 3.5% |
Choose IDFC FIRST WOW! Credit Card if:
Your spending centers around fd-secured beginners — lifetime free, 0% forex, first coins (incl. up to 4x on eligible spends) and you want direct partner rewards with IDFC FIRST Bank.
Choose SimplySAVE SBI Card if:
Your spending aligns with shopping rewards and you prioritize SBI Card's redemption benefits.
Popular Comparisons for IDFC FIRST WOW! Credit Card
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Frequently asked questions: IDFC FIRST WOW! Credit Card vs SimplySAVE SBI Card
- Which is better: IDFC FIRST WOW! Credit Card or SimplySAVE SBI Card?
- IDFC FIRST WOW! Credit Card holds a higher overall rating with a CardCheck Score of 67/100 (Good) compared to 64/100 (Good) for SimplySAVE SBI Card (a lead of +3 points). IDFC FIRST WOW! Credit Card gains its scoring lead primarily through forex & terms (14 vs 12) and fee value & ROI (25 vs 24) while tying on reward potential and lounge & travel privileges.
- How do annual fees and fee waiver spend rules compare?
- IDFC FIRST WOW! 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, SimplySAVE SBI Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between IDFC FIRST WOW! Credit Card and SimplySAVE SBI Card?
- IDFC FIRST WOW! Credit Card offers a base reward rate of 0.12% and up to 2% on accelerated partner categories. Meanwhile, SimplySAVE SBI Card offers a base rate of 0.25% and up to 2.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IDFC FIRST WOW! Credit Card or SimplySAVE SBI Card?
- IDFC FIRST WOW! Credit Card provides no complimentary airport lounge access. On the other hand, SimplySAVE SBI Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- IDFC FIRST WOW! Credit Card levies a foreign currency markup fee of 0%, while SimplySAVE SBI Card charges 3.5%. 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).