Head-to-head · 🇮🇳 India
ICICI Platinum Chip vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 0 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 6 of 10
Verdict
IDFC FIRST Wow wins 6-0. Secured card backed by FD — accessible to thin-credit-file applicants. ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | ICICI Platinum Chip | IDFC FIRST Wow |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 0.5% (general) | 1% (general) |
| Base reward rate | · 0.5% | 1% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = No welcome bonus — fee-free for life | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹200,000 | — |
| Min credit score | · 700 | 600 |
| Editorial rating | · 3.6/5 | 4/5 |
Benefits compared
ICICI Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›ICICI Platinum Chip vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow wins on more dimensions (6 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use ICICI Platinum Chip for its best categories, IDFC FIRST Wow for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
ICICI Platinum Chip: No welcome bonus — fee-free for life. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.