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| Feature | HDFC Bank HDFC Bank RuPay IRCTC Credit Card | IDFC FIRST Bank IDFC FIRST WOW! Black Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | IDFC FIRST Bank |
| Network | RuPay | Mastercard |
| Annual fee | ₹500 + GST per year | ₹750 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 1% | 1.3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | SmartBuy train cashback: ₹1,000/month · SmartBuy train cashback: ₹12,000/calendar year | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹50,000/month self-employed | Fixed-deposit backed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent train travelers who book through IRCTC and can redeem points against future rail tickets. | 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 5-point rail rate is capped monthly and yearly, SmartBuy cashback has separate caps, points can fund at most 70% of a rail ticket, and each redemption carries the published ₹99 plus GST fee. | 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.
