IDFC First WOW vs PNB Rupay Platinum vs SC DigiSmart
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 | PNB Rupay Platinum | SC DigiSmart |
|---|---|---|---|
| Bank | IDFC First Bank | Punjab National Bank | Standard Chartered |
| Card Type | Rewards | Entry Level | Cashback |
| Annual Fee | Lifetime Free | ₹299 + GST | Lifetime Free |
| Joining Fee | Nil | ₹99 + GST | Nil |
| Rewards | 10X reward points on every spend category | 2 reward points per ₹100 on all spends | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | All-Round Rewards | Budget Users | Online Shopping |
| Interest Rate | 3.49% 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 - ₹1,50,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on first spend | None | None |
| Min Income | ₹15,000/month | ₹12,000/month | ₹20,000/month |
| Lounge Access | 6 domestic + 2 international per year | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.5 | 3.9 | 4.3 |
| 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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.