IDFC First WOW vs SC Ultimate
Side-by-side credit card comparison to help you choose the best one.
SC Ultimate
Why this card wins: Luxury Travel — 3.33% rewards value on all spends
| Feature | ||
|---|---|---|
| Bank | IDFC First Bank | Standard Chartered |
| Card Type | Rewards | Super Premium |
| Annual Fee | Lifetime Free | ₹5,000 + GST |
| Joining Fee | Nil | ₹5,000 + GST |
| Rewards | 10X reward points on every spend category | 3.33% rewards value on all spends |
| Best For | All-Round Rewards | Luxury Travel |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹5,00,000 | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 500 reward points on first spend | 10,000 reward points on first ₹20,000 spend |
| Min Income | ₹15,000/month | ₹1,00,000/month |
| Lounge Access | 6 domestic + 2 international per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.5 | 4.7 |
| Contactless | ||
| EMI Conversion |
Key Features
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
SC Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
Verdict
Based on rating and overall value, SC Ultimate ranks highest among your selected cards. It excels at Luxury Travel and offers 3.33% rewards value on all spends.
Frequently asked questions
Which is better: IDFC First WOW or SC Ultimate?
SC Ultimate has the higher CardKhoj rating (4.7/5) and is best for luxury travel. IDFC First WOW is the better fit if your priority is all-round rewards. The right choice depends on where you spend most.
Which has the lower annual fee: IDFC First WOW and SC Ultimate?
IDFC First WOW is cheaper to hold at Lifetime Free, compared with ₹5,000 + GST for SC Ultimate.
Do IDFC First WOW and SC Ultimate offer airport lounge access?
IDFC First WOW: 6 domestic + 2 international per year. SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
SC Ultimate has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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