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| Feature | BOBCARD BOBCARD Tiara Credit Card | IDFC FIRST Bank IDFC FIRST WOW! Black Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | IDFC FIRST Bank |
| Network | RuPay | Mastercard |
| Annual fee | ₹2,499 + GST per year | ₹750 + GST per year |
| Annual fee waiver | At ₹2,50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.8% | 1.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 3.8% · Dining, travel and international bonus | 1.3% · Everyday card rewards |
| International spending | 3.8% · Dining, travel and international bonus | 1.3% · Everyday card rewards |
| Travel & hotels | 3.8% · SmartDeal hotel rewards | 1.3% · App hotel bonus points |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | UPI reward value: ₹500/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | Unlimited domestic airport lounge visits | 4 domestic airport lounge visits per year |
| Forex markup | 2% | 0% |
| Monthly income requirement | Approx. ₹60,000/month | Fixed-deposit backed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent diners and travellers who value women-focused wellness privileges. | 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 5X categories are capped at 5,000 total points per statement cycle before the base earn continues. UPI receives only core rewards and has a separate ₹500 reward-value cap; many everyday MCCs are excluded. | 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.
