ICICI Sapphiro vs IDFC First WOW vs OneCard Metal
Side-by-side credit card comparison to help you choose the best one.
| Feature | ICICI Sapphiro | IDFC First WOW | OneCard Metal |
|---|---|---|---|
| Bank | ICICI Bank | IDFC First Bank | OneCard (FPL) |
| Annual Fee | ₹3,500 + GST | Lifetime Free | Lifetime Free |
| Joining Fee | ₹3,500 + GST | Nil | Nil |
| Rewards | 2-4 PAYBACK points per ₹100 | 10X reward points on every spend category | 5X reward points on top 2 spend categories |
| Best For | Travel & Lifestyle | All-Round Rewards | Tech-Savvy Users |
| Card Type | Premium | Rewards | Premium |
| Rating | 4.4 | 4.5 | 4.6 |
ICICI Sapphiro
Travel & Lifestyle
- ✓ Buy 1 Get 1 Free on movie tickets (BookMyShow)
- ✓ Dreamfolks Membership for lounges
- ✓ 4 domestic lounge visits per quarter
- ✓ Welcome vouchers worth ₹9000+
IDFC First WOW
All-Round Rewards
- ✓ No annual or joining fee ever
- ✓ 10X reward points on all categories
- ✓ 6 domestic + 2 international lounge visits
- ✓ Never expiring reward points
OneCard Metal
Tech-Savvy Users
- ✓ Metal card — no annual fee ever
- ✓ Auto-detects your top spend categories for 5X
- ✓ Real-time spend analytics in app
- ✓ Instant EMI conversion on any purchase
Our Recommendation
Based on rating and overall value, OneCard Metal currently ranks highest among your selected cards.