WOW! Credit Card
Rs 0Annual fee
0Domestic lounge
0%Forex markup
Best for
Secured Card, Lifetime Free, Forex, Travel
Top rewards
Online, Offline, And International Spends: 4 Reward Points per INR 200 spent; Utility, Insurance, Government, And Railway Transactions: 1 Reward Point per INR 200 spent
Niyo Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- International lounge access is a Niyo Exclusive benefit, available with the Niyo Premium Membership add-on.
- Exact pass count and eligibility conditions are governed by the Premium Membership terms in the Niyo app.
0%Forex markup
Best for
Travel, Forex, Lifetime Free, International
Top rewards
Travel Bookings Via Niyo App: 5 Niyo Coins per ₹100; Domestic E-Commerce / Online Transactions: 4 Niyo Coins per ₹100; Domestic POS Transactions: 2 Niyo Coins per ₹100
| Feature | WOW! Credit Card | Niyo Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | YES Bank |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Secured Card, Lifetime Free, Forex, Travel | Travel, Forex, Lifetime Free, International |
| Top reward categories | Online, Offline, And International Spends: 4 Reward Points per INR 200 spent; Utility, Insurance, Government, And Railway Transactions: 1 Reward Point per INR 200 spent | Travel Bookings Via Niyo App: 5 Niyo Coins per ₹100; Domestic E-Commerce / Online Transactions: 4 Niyo Coins per ₹100; Domestic POS Transactions: 2 Niyo Coins per ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 1 |
| Forex markup | 0% | 0% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 0.1 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | international / foreign currency transactions (no Niyo Coins earned), fuel transactions (MCC 5541, 5542, 5983, 5172) |