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| Feature | IDFC FIRST Bank IDFC FIRST WOW! Black Credit Card | SBI Card Reliance SBI Card PRIME |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | SBI Card |
| Network | Mastercard | RuPay |
| Annual fee | ₹750 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | At ₹3,00,000 annual spending |
| Base reward rate | 1.3% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 1.3% · Everyday card rewards | 1.3% · International incremental points |
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 | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Fixed-deposit backed | Not listed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | New-to-credit or no-income-proof users who can back the card with a fixed deposit and want both international and UPI utility. | Higher-spend Reliance customers who travel, dine and watch movies regularly. |
| Main trade-off | 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. | The best rates require exact Reliance merchants or published MCCs. UPI at participating Reliance stores earns 0.5%, and Reliance-only milestone vouchers are not inferred from broad category totals. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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