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.
IDFC FIRST Wealth Credit Card vs SBI Cashback Credit Card — FAQs
Which has a lower annual fee, IDFC FIRST Wealth Credit Card or SBI Cashback Credit Card?
The IDFC FIRST Wealth Credit Card has the lower annual fee at Lifetime free, versus ₹999/yr for the SBI Cashback Credit Card.
Do IDFC FIRST Wealth Credit Card and SBI Cashback Credit Card offer airport lounge access?
The IDFC FIRST Wealth Credit Card includes complimentary airport lounge access; the SBI Cashback Credit Card does not list lounge access.
Which card has lower forex markup, IDFC FIRST Wealth Credit Card or SBI Cashback Credit Card?
The IDFC FIRST Wealth Credit Card has the lower forex markup at 0%, versus 3.5% on the SBI Cashback Credit Card.
Which is better, IDFC FIRST Wealth Credit Card or SBI Cashback Credit Card?
Neither card is universally better — it depends on how you spend. The IDFC FIRST Wealth Credit Card rewards online shopping at 2.50%, while the SBI Cashback Credit Card rewards online shopping at 5%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.