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    IDFC First WOW vs BoB Select 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
    IDFC First WOW
    BoB Select
    HSBC Cashback Card
    BankIDFC First BankBank of BarodaHSBC India
    Card TypeRewardsEntry LevelCashback
    Annual FeeLifetime Free₹499 + GST₹750 + GST
    Joining FeeNil₹499 + GST₹750 + GST
    Rewards10X reward points on every spend category2 reward points per ₹100 spent1.5% unlimited cashback on all spends
    Best ForAll-Round RewardsEveryday SpendingPure Cashback
    Interest Rate3.49% per month (41.88% p.a.)3.49% per month (41.88% p.a.)3.49% per month (41.88% p.a.)
    Credit Limit₹25,000 - ₹5,00,000₹25,000 - ₹2,00,000₹50,000 - ₹5,00,000
    Welcome Benefit500 reward points on first spend500 reward points on first spend₹750 cashback on first ₹7,500 spend
    Min Income₹15,000/month₹15,000/month₹25,000/month
    Lounge Access6 domestic + 2 international per year2 domestic 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
    4.5
    4
    4.4
    Contactless
    EMI Conversion

    Key Features

    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

    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

    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.