BoB Select vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
Our Pick
IDFC First WOW
4.5
Why this card wins: All-Round Rewards — 10X reward points on every spend category
| Feature | BoB Select | IDFC First WOW |
|---|---|---|
| Bank | Bank of Baroda | IDFC First Bank |
| Card Type | Entry Level | Rewards |
| Annual Fee | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹499 + GST | Nil |
| Rewards | 2 reward points per ₹100 spent | 10X reward points on every spend category |
| Best For | Everyday Spending | All-Round Rewards |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on first spend | 500 reward points on first spend |
| Min Income | ₹15,000/month | ₹15,000/month |
| Lounge Access | 2 domestic per year | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Our Pick
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
Verdict
Based on rating and overall value, IDFC First WOW ranks highest among your selected cards. It excels at All-Round Rewards and offers 10X reward points on every spend category.