← COMPARE
IDFC FIRST Wealth Credit Card vs SBI Cashback Credit Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| IDFC FIRST Wealth Credit Card | SBI Cashback Credit Card | |
|---|---|---|
| Issuer | IDFC | SBI |
| Annual fee | Lifetime free ✓ | ₹999/yr |
| Joining fee | Free | ₹999 |
| Best reward | 2.50% on Online Shopping | 5% on Online Shopping |
| Forex markup | 0% ✓ | 3.5% |
| Lounge access | Yes | No |
| Welcome benefit | — | — |
| Min income | ₹1,00,000/mo | ₹20,000/mo |
| Expert rating | 4.7 / 5 ✓ | 4.5 / 5 |
Which should you pick?
Choose the IDFC FIRST Wealth Credit Card if you want strong rewards on online shopping at a lower annual fee plus airport lounge access. Consider the SBI Cashback Credit Card if you spend more on online shopping. Your actual best card depends on how you spend — run your numbers below.