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| Feature | IDFC FIRST Bank IDFC FIRST WOW! Credit Card | SBM Bank India SBM Bank ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | SBM Bank India |
| 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. | New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET. |
| 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 is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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