IDFC FIRST WOW! Credit Card vs SBI Unnati Credit 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 CardScoreFair
Annual Fee₹499
Max Reward1%
IDFC FIRST WOW! Credit Card leads overall with a CardCheck Score of 67/100 (+9 pts over SBI Unnati Credit Card).
4-Pillar Head-to-Head Breakdown
IDFC vs SBIReward Power
35%IDFC24/35
SBI20/35
IDFC Wins
Fee Value & ROI
25%IDFC25/25
SBI22/25
IDFC Wins
Lounge & Travel
20%IDFC4/20
SBI4/20
Tie (4/20)
Forex & Access
20%IDFC14/20
SBI12/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 67Best
- 58
- Rating Verdict
- Good
- Fair
- Reward Power (35%)
- 24/35
- 20/35
- Fee Value & ROI (25%)
- 25/25
- 22/25
- 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
- Secured
- Best for
- FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends)
- Building credit — secured card against SBI fixed deposit, 1% cashback
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- FreeBest
- ₹499
- Interest-free days
- 45
- 50Best
04—Interest
- APR (min)
- 8.5%Best
- 36%
- APR (max)
- 46.2%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 0.12%
- 1%Best
- Max rate
- 2%Best
- 1%
- Points / ₹100
- 3
- —
- Point value
- ₹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
- Min income / month
- —
- Free
- Invite only
Rows won
05of 08
03of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 67Best | 58 |
| Rating Verdict | Good | Fair |
| Reward Power (35%) | 24/35 | 20/35 |
| Fee Value & ROI (25%) | 25/25 | 22/25 |
| 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 | Secured |
| Best for | FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends) | Building credit — secured card against SBI fixed deposit, 1% cashback |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | FreeBest | ₹499 |
| Interest-free days | 45 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 8.5%Best | 36% |
| APR (max) | 46.2% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 0.12% | 1%Best |
| Max rate | 2%Best | 1% |
| Points / ₹100 | 3 | — |
| Point value | ₹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 | ||
| Min income / month | — | Free |
| Invite only | ||
| Rows won | 05of 08 | 03of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IDFC FIRST WOW! Credit Card | SBI Unnati Credit Card |
|---|---|---|
| CardCheck Score | 67/100Good | 58/100Fair |
| Annual Fee | Free (₹0) | ₹499 |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 2% | 1% |
| 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 SBI Unnati Credit Card if:
Your spending aligns with building credit — secured card against sbi fixed deposit, 1% cashback and you prioritize SBI Card's redemption benefits.
Popular Comparisons for IDFC FIRST WOW! Credit Card
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Popular Comparisons for SBI Unnati Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: IDFC FIRST WOW! Credit Card vs SBI Unnati Credit Card
- Which is better: IDFC FIRST WOW! Credit Card or SBI Unnati Credit Card?
- IDFC FIRST WOW! Credit Card holds a higher overall rating with a CardCheck Score of 67/100 (Good) compared to 58/100 (Fair) for SBI Unnati Credit Card (a lead of +9 points). IDFC FIRST WOW! Credit Card gains its scoring lead primarily through reward potential (24 vs 20) and fee value & ROI (25 vs 22) while tying on 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, SBI Unnati Credit Card charges an annual fee of ₹499 with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between IDFC FIRST WOW! Credit Card and SBI Unnati Credit Card?
- IDFC FIRST WOW! Credit Card offers a base reward rate of 0.12% and up to 2% on accelerated partner categories. Meanwhile, SBI Unnati Credit Card offers a base rate of 1% and up to 1% 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 SBI Unnati Credit Card?
- IDFC FIRST WOW! Credit Card provides no complimentary airport lounge access. On the other hand, SBI Unnati Credit 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 SBI Unnati Credit 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).