Lifestyle HC SBI Card vs IDFC First WOW! Credit Card

• 1% fuel surcharge waiver
• Earn 1,000 bonus Reward Points on annual spends of Rs 20,000 across all Landmark Stores
• Earn 2,000 bonus Reward Points on annual spends of Rs 45,000 across all Landmark Stores
• Earn 5,000 bonus Reward Points on annual spends of Rs 95,000 across all Landmark Stores

• 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

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

• Convert the Reward Points into Landmark rewards and get dual benefit
• Get 5 Reward Points on every 100 Rs. spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
• Cumulative milestone benefits up to 16,000 RP worth Rs 4,000                                                                                                      

Cons 

• No Airport Lounge access 
• No Golf/coaching sessions

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