IDFC FIRST WOW! Black vs SBI Flipkart Credit Card 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.
| Feature |  IDFC FIRST WOW! Black Credit CardIDFC First Bank3 recent changes → |  SBI Flipkart Credit CardState Bank of India2 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.67% on most spends; 5% only at partner merchants | 1% on most spends; 7.5% only at partner merchants | |
| UPI payments (scan and pay) | Not stated | Earns nothing | |
| Online shopping | 0.67% | 1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel | |
| Dining and food delivery | 0.67% | 1% | |
| Groceries | 0.67% | 1% | |
| Travel: flights, hotels, trains | 0.67%; 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%; 5% only at Cleartrip | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.17% | 1% | |
| Rent | 0.67% | Earns nothing | |
| Insurance premiums | 0.67% | Earns nothing | |
| School and college fees | 0.67% | Earns nothing | |
| Wallet top-ups | 0.67% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 0.67% | 1% | |
| Everything else | 0.67% | 1% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Networksame | Mastercard | Mastercard | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹750 + GST | ₹500 + GST | |
| Annual fee | ₹750 + GST | ₹500 + GST | |
| Fee waived at | ₹1,50,000 | ₹3,50,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 80 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹0 | - | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Lounge access | |||
| Domestic lounge visits | 4 | - | |
| International lounge visits | 0 | - | |
| Lounge condition | Spend Rs 20,000 in the previous month for domestic lounge access | - | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Fixed deposit of ₹20,000 or more (no income proof required) | PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,608
- Fee a year
- ₹0
- You keep
- ₹1,608
- Rewards a year
- ₹2,400
- Fee a year
- - ₹590
- You keep
- ₹1,810
At this spend, SBI Flipkart Credit Card comes out ₹202 a year ahead of IDFC FIRST WOW! Black Credit Card. 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
- Travellers who want zero forex on a secured card
- People building a credit score
- Students and new earners
- Occasional domestic flyers
- Regular Flipkart shoppers
- Myntra fashion buyers
- Cleartrip travel bookers
Watch-Outs
- ₹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
- Each boosted category has a monthly cap
- Only 1% outside partner brands
- High ₹3,50,000 waiver target
- No lounge access
Card data sourced via CardAdvisor.in (IDFC FIRST WOW! Black Credit Card, SBI Flipkart Credit Card), 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 Flipkart Credit Card?
SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; IDFC FIRST WOW! Black Credit Card: ₹750. 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 Flipkart Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBI Flipkart Credit Card 1%, IDFC FIRST WOW! Black Credit Card 0.67%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
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.
Work Out the Numbers
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