Compare ixigo AU and IDFC FIRST WOW!: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
WOW requires an eligible fixed deposit and KYC; approval remains subject to issuer checks. A deposit is not a 100% approval guarantee.
ixigo AU is a no-annual-fee option centred on travel benefits, flights and online spending.
Apply for ixigo AU →
IDFC FIRST WOW! is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Apply for IDFC FIRST WOW! →Issuer MITC link checked: ixigo AU: 2026-10-29, IDFC FIRST WOW!: 2026-10-29 | No Sponsored Ranking. Issuer record checked: ixigo AU: 2026-10-09, IDFC FIRST WOW!: 2026-10-09. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | ixigo AU | IDFC FIRST WOW! |
|---|---|---|
| Joining fee + GST | No joining fee; currently offered lifetime-free; confirm acquisition eligibility · ₹0.00 incl. GST | No joining fee · ₹0.00 incl. GST |
| Renewal fee + GST | No annual fee; currently offered lifetime-free; confirm acquisition eligibility · ₹0.00 incl. GST before waiver | No annual fee · ₹0.00 incl. GST before waiver |
| Annual spend for renewal waiver | Not verified / not applicable; see fee wording. | Not verified / not applicable; see fee wording. |
| Base and accelerated rewards; caps | Published 2.5% rewards on eligible domestic online, offline and UPI spending Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded. | Up to 4 points per ₹200 on eligible purchases Fuel, EMI and cash withdrawals do not earn rewards; points expire after 24 months. |
| Domestic/international lounges and spend conditions | 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms. 8 railway lounge visits annually (2 per quarter); current lifetime-free acquisition offer should be confirmed at application. | Not verified in the maintained record. Check the linked issuer terms. |
| Forex markup (+ applicable GST) | Zero foreign-currency markup; qualifying ixigo flights and hotels receive 10% discount up to ₹3,000, with booking limits and offer terms. | Zero forex markup and no primary-card joining or annual fee. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Published 2.5% rewards on eligible domestic online, offline and UPI spending | Not verified in the maintained record. Check the linked issuer terms. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded. | Not verified in the maintained record. Check the linked issuer terms. |
| Fuel & rent | Not verified in the maintained record. Check the linked issuer terms. | Fuel, EMI and cash withdrawals do not earn rewards; points expire after 24 months. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Reward points capped at 10,000 per statement cycle; overseas, education, government and BBPS transactions are excluded. | Not verified in the maintained record. Check the linked issuer terms. |
| Official issuer MITC / reward documents | Issuer MITC PDF Issuer benefit / terms PDF | Issuer MITC PDF |
WOW requires an eligible fixed deposit and KYC; approval remains subject to issuer checks. A deposit is not a 100% approval guarantee.
ixigo AU: No annual fee; currently offered lifetime-free; confirm acquisition eligibility; renewal threshold not verified / not applicable. IDFC FIRST WOW!: No annual fee; renewal threshold not verified / not applicable.
ixigo AU: 8 domestic lounge visits annually (2 per quarter) require ₹50,000 spend in the previous calendar quarter; 1 overseas visit per year is subject to Priority Pass terms. 8 railway lounge visits annually (2 per quarter); current lifetime-free acquisition offer should be confirmed at application. IDFC FIRST WOW!: Not verified in the maintained record. Check the linked issuer terms.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
No annual fee
Subject to issuer availability and approval.
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