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IndusInd Bank PAYBACK Credit Card vs IDFC First WOW! Credit Card

Joining Fees

₹249

₹0

Editor's Rating

3.7

Key Features

  • Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
  • 1% fuel surcharge across all petrol pumps in India
  • Auto assist
  • Complimentary personal air accident insurance cover of up to Rs 25 lakh
  • Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card 
  • Lifetime free credit card - No joining fee/annual fee
  • Get up to 4x Reward Points on every transaction
  • Unlimited never expiring reward points as good as cash
  • Insurance premium payments and Utility bill payments will earn 1X reward points
  • Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
  • Zero interest charges on ATM cash withdrawals for up to 45 days 
  • Zero Currency Exchange Hassles
  • Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
  • Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
  • 1% Fuel Surcharge Waiver
  • Withdraw cash up to 100% of FD value
  • Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
  • Earn 4X Reward Points on every travel spend
  • Up to 3X reward points on all UPI spends
  • Credit limit minimum 100% of the FD Value
  • No credit history required
  • No income proof required
  • Instant Card Issuance
  • Discover discounts across 1500+ resturants and retailers
  • Get discount across 300+ merchants and 1500+ resturants
  • Credit shield protection against theft and fraud
  • Access to exclusive VISA offers across the globe

Editor's Review

Pros

  • Avail exciting rewards on dining, shopping, entertainment and more: 
  1. Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
  2. Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
  3. Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
  4. While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent
  • Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
  • Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year

Cons

  • No Airport Lounge Access 
  • No Golf Privileges 

Pros

  • Lifetime free credit card
  • Get a 100% credit limit against the amount of Fixed Deposit
  • Get up to 4x Reward Points on every transaction

Cons

  • No travel benefits
  • No golf benefits
  • No complimentary domestic or international airport lounge access


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