Head-to-head · 🇮🇳 India
SBI Aurum vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | SBI Aurum | IDFC FIRST Wow |
|---|---|---|
| Annual fee | · ₹9,999 | No annual fee |
| Joining fee | · ₹9,999 | None |
| Top reward rate | 4% (general) | · 1% (general) |
| Base reward rate | 4% | · 1% |
| Forex markup | = N/A | = No FX fee |
| Welcome bonus | = 10,000 reward points + ₹10,000 brand voucher | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | ₹1,500,000 / yr | · N/A (no fee) |
| Min income | · ₹3,500,000 | Not verified |
| Min credit score | · 800 | 600 |
| Editorial rating | 4.6/5 | · 4/5 |
Benefits compared
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
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
›SBI Aurum vs IDFC FIRST Wow: which is better?
It's a true tie, pick the one whose boost categories match your spend. SBI Aurum wins on 4 criteria, IDFC FIRST Wow on 4.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI Aurum 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?
SBI Aurum: 10,000 reward points + ₹10,000 brand voucher. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.