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    ICICI Coral vs IDFC First WOW vs HSBC Cashback Card

    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
    ICICI Coral
    IDFC First WOW
    HSBC Cashback Card
    BankICICI BankIDFC First BankHSBC India
    Card TypeEntry LevelRewardsCashback
    Annual Fee₹500 + GSTLifetime Free₹750 + GST
    Joining Fee₹500 + GSTNil₹750 + GST
    Rewards2 points per ₹100 on all spends10X reward points on every spend category1.5% unlimited cashback on all spends
    Best ForFirst Time UsersAll-Round RewardsPure Cashback
    Interest Rate3.40% per month (40.80% p.a.)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₹50,000 - ₹5,00,000
    Welcome BenefitNone500 reward points on first spend₹750 cashback on first ₹7,500 spend
    Min Income₹20,000/month₹15,000/month₹25,000/month
    Lounge Access4 domestic per year (1/quarter)6 domestic + 2 international per year2 domestic per year
    Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 txns1% waiver on ₹400-₹5,000 txns1% waiver on ₹400-₹5,000 txns
    Foreign Txn Fee3.5% + GST3.5% + GST3.5% + GST
    Add-On Card FeeFreeFreeFree
    Rating
    4.1
    4.5
    4.4
    Contactless
    EMI Conversion

    Key Features

    ICICI Coral

    First Time Users

    Visa • Entry Level

    • 15% savings on dining bills
    • 1 complimentary domestic lounge visit per quarter
    • Complimentary railway lounge access
    • Milestone reward points system
    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

    HSBC Cashback Card

    Pure Cashback

    Visa • Cashback

    • No merchant category restrictions
    • Cashback auto-credited to statement
    • Global acceptance — accepted in 200+ countries
    • Fee waiver on ₹1L annual spend

    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.