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IDFC FIRST WOW! vs ZET
Which credit card is better for you? Fees, rewards & charges side by side.
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| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | Lifetime Free | Lifetime Free |
| Joining fee | FREE | FREE |
| Our rating | ★ 4.1 | ★ 4.0 |
| Rewards | 3X – 10X reward points | Up to 5% on vouchers, 2% on UPI |
| Best for | Students and new-to-credit users who travel abroad | Students, first-time users and anyone rebuilding a low credit score |
| Top benefits | ⚡ Instant approval 🌍 0% forex 🆓 Lifetime free | 🛍️ 5% back 📲 2% on UPI 🏦 FD-backed |
| Lounge access | None | None |
| Fee waiver | Lifetime free — backed by a fixed deposit | Lifetime free — backed by a fixed deposit |
| Min. income | No income proof needed | No income proof needed |
| Credit score | Not required | Not required |
| Forex markup | 0% | 2.49% |
| Interest | 0.75% – 3.85%/month (based on profile) | 3.5%/month (42% p.a.) |
| Cash withdrawal | ₹199 per withdrawal | 3.5% (min ₹300) |
| Late fee | 15% of amount due (₹100 – ₹1,300) | As per SBM Bank MITC |
| Apply Now → | Apply Now → |
Quick verdict
The IDFC FIRST WOW! Credit Card is lifetime free and gives 3X – 10X reward points. The ZET Credit Card is lifetime free and gives Up to 5% on vouchers, 2% on UPI. Our rating: IDFC FIRST WOW! ★ 4.1, ZET ★ 4.0.
Choose…
- IDFC FIRST WOW! if you are: students and new-to-credit users who travel abroad. Instant approval against an FD · 0% forex on international spends · Lifetime free no joining or annual fee.
- ZET if you are: students, first-time users and anyone rebuilding a low credit score. 5% back on Amazon & Flipkart vouchers · 2% on UPI with ZET Plus membership · FD-backed from ₹2,000, earns ~7%.
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