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YES Prosperity Rewards Credit Card vs IDFC First WOW! Credit Card

Joining Fees

₹299

₹0

Editor's Rating

4.1

Key Features

  • 4 Reward Points for every Rs. 200 spent on Groceries & Supermarkets 
  • 2 Reward Points for every Rs. 200 on other categories 
  • Exclusive Catalogue of Products
  • Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
  • 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

  • This credit card is good for those who’re seeking Reward Points
  • Fuel Surcharge Waiver
  • This credit card is good for those who love to shop

 

Cons

  • This credit card isn’t travel-specific card
  • No Golf Privileges
  • Not much discount on movies

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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