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| Feature | IDFC FIRST Bank IDFC FIRST WOW! Credit Card | Indian Overseas Bank IOB ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | Indian Overseas Bank |
| Network | Visa | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.5% | 0% |
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 | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 0% | 2.5% |
| Monthly income requirement | Fixed-deposit backed | Fixed-deposit backed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | Students, new-to-credit users, or anyone without income proof who wants to start building credit history. | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. |
| Main trade-off | Your credit limit is tied to the fixed deposit you place, so it functions more as a credit-building tool than a rewards-maximiser. | The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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