Head-to-head · 🇮🇳 India
IDFC FIRST Wealth vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 5 of 10
IN
SBI Card
SBI Prime
Wins 4 of 10
Verdict
IDFC FIRST Wealth wins 5-4. Lifetime-free premium — best zero-fee card in India. SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | IDFC FIRST Wealth | SBI Prime |
|---|---|---|
| Annual fee | No annual fee | · ₹2,999 |
| Joining fee | None | · ₹2,999 |
| Top reward rate | · 3% (general) | 5% (shopping) |
| Base reward rate | 3% | · 1.25% |
| Forex markup | 1.5% | · 3.5% |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · N/A (no fee) | ₹300,000 / yr |
| Min income | · ₹1,200,000 | ₹480,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.7/5 | · 4.2/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›IDFC FIRST Wealth vs SBI Prime: which is better?
IDFC FIRST Wealth wins on more dimensions (5 vs 4). 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 IDFC FIRST Wealth for its best categories, SBI Prime for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).