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IDFC FIRST WOW! Black Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

IDFC FIRST WOW! Black Credit Card versus SBI Card MILES PRIME compared
FeatureIDFC FIRST WOW! Black Credit CardIDFC FIRST WOW! Black Credit CardIDFC First Bank3 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards0.67% on most spends; 5% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)Not statedEarns nothing
Online shopping0.67%0.5%
Dining and food delivery0.67%0.5%
Groceries0.67%0.5%
Travel: flights, hotels, trains0.67%; 5% only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%1%
FuelsameEarns nothingEarns nothing
Bills and recharges0.17%Earns nothing
Rent0.67%Earns nothing
Insurance premiums0.67%Earns nothing
School and college fees0.67%Earns nothing
Wallet top-ups0.67%Earns nothing
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency0.67%0.5%
Everything else0.67%0.5%
Card identity
Card typesameTravelTravel
NetworksameMastercardMastercard
Card tierMidPremium
Fees
Joining fee₹750 + GST₹2,999 + GST
Annual fee₹750 + GST₹2,999 + GST
Fee waived at₹1,50,000₹10,00,000
Eligibility
Min age18 years21 years
Max age80 years70 years
Employment typesameBOTHBOTH
Min monthly salary₹0-
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits48
International lounge visits04
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionSpend Rs 20,000 in the previous month for domestic lounge access8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markupNone2.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Redemption
Redemption fee₹99-
Page content
Documents neededPAN card Aadhaar / address proof Fixed deposit of ₹20,000 or more (no income proof required)PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IDFC FIRST WOW! Black Credit Card
Rewards a year
₹1,608
Fee a year
₹0
You keep
₹1,608
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, IDFC FIRST WOW! Black Credit Card comes out ₹3,647 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

IDFC FIRST WOW! Black Credit Card
  • Travellers who want zero forex on a secured card
  • People building a credit score
  • Students and new earners
  • Occasional domestic flyers
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

IDFC FIRST WOW! Black Credit Card
  • ₹750 fee if you spend under Rs 1.5 lakh a year
  • Base reward rate is about 0.67%
  • Lounge visit needs Rs 20,000 spend in the previous month
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (IDFC FIRST WOW! Black Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IDFC FIRST WOW! Black Credit Card or SBI Card MILES PRIME?

IDFC FIRST WOW! Black Credit Card. IDFC FIRST WOW! Black Credit Card: ₹750; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST WOW! Black Credit Card has the lowest forex markup. IDFC FIRST WOW! Black Credit Card: 0%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: IDFC FIRST WOW! Black Credit Card 0.67%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

IDFC FIRST WOW! Black Credit Card: 4 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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