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| Feature | AU Small Finance Bank AU Bank NOMO Credit Card | IDFC FIRST Bank IDFC FIRST WOW! Black Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | IDFC FIRST Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹0 + GST per year | ₹750 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,50,000 annual spending |
| Base reward rate | 0.5% | 1.3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 1.0% | 0% |
| Monthly income requirement | Fixed-deposit backed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 13 Sept 2026 |
| Best suited to | New-to-credit travellers who can keep an AU fixed deposit and prioritise low forex over high base rewards. | New-to-credit or no-income-proof users who can back the card with a fixed deposit and want both international and UPI utility. |
| Main trade-off | The card requires an AU fixed deposit. Utility and insurance earn only 0.25%, all points are capped at 5,000 per statement, and voucher redemption can value points below the catalogue ₹0.25 assumption. | A fixed deposit of at least ₹20,000 is required. General rewards are worth ₹0.25 per point unless redeemed for eligible app travel at ₹0.50, and several attractive welcome offers are conditional discounts rather than guaranteed cash. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
