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AU Nomo Credit Card VS IDFC FIRST WoW Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both IDFC FIRST WoW Credit Card and AU Nomo Credit Card suit international spends-focused spenders, but they earn and cost differently. IDFC FIRST WoW Credit Card is lifetime-free and earns 4X Reward Points on online, offline, international spends; 1X on utilities, insurance, FASTag. AU Nomo Credit Card costs ₹199 + GST and earns 2 RP for ₹100 on retail; 1 RP for ₹100 on utility & insurance. No RP on fuel, cash, rent, education, govt. IDFC FIRST WoW Credit Card also brings 100% cashback up to ₹200 on first 4 UPI transactions with UPI-enabled FIRST Digital Credit Card, while AU Nomo Credit Card counters with 2 free domestic airport lounge visits each quarter upon spending ₹50,000. Weigh the fee against the reward rate above to see which fits your spending pattern better.

AU Nomo Credit Card
AU Nomo Credit Card
IDFC FIRST WoW Credit Card
IDFC FIRST WoW Credit Card

Fees & Charges

Joining Fee₹199 + GST
Joining FeeLifetime Free
Renewal FeeFree (1st year)
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees0.99%
Foreign Transaction Fees0% on international transactions.
Interest Rate (APR)3.59% Per Month (43.08% Annually)
Interest Rate (APR)8.5% - 46.2% per annum.

Rewards & Benefits

Welcome Bonus500 Reward Points (worth ₹125) on first transaction within 30 days.
Welcome Bonus100% cashback up to ₹200 on first 4 UPI transactions with UPI-enabled FIRST Digital Credit Card.
Rewards Rate2 RP for ₹100 on retail; 1 RP for ₹100 on utility & insurance. No RP on fuel, cash, rent, education, govt.
Rewards Rate4X Reward Points on online, offline, international spends; 1X on utilities, insurance, FASTag.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access2 free domestic airport lounge visits each quarter upon spending ₹50,000.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits2 complimentary railway lounge visits per quarter. 2 domestic airport lounge visits on ₹50k spend/quarter.
Travel Benefits10% bonus Reward Points on hotel bookings and 5% on flight bookings via 'FIRST Rewards Gallery'.
Movie Benefits
Movie Benefits50% discount up to ₹300 on movie ticket bookings through BookMyShow and up to ₹200 on F&B.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for ₹400-₹5,000 transactions, capped at ₹100 per month.
Fuel Surcharge Waiver1% waiver on transactions between ₹200-₹5,000, max ₹200 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits₹2 lakh Personal Accident Cover, ₹25,000 Card Liability Cover, and ₹25,000 Purchase Protection.
Cash Advance Charges2.5% of withdrawal amount or ₹500, whichever is higher.
Cash Advance Charges₹199 + GST per withdrawal; 0% interest for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Nomo Credit Card

IDFC FIRST WoW Credit Card

Who is it for?

The AU Nomo Credit Card is a secured card from AU Bank, ideal for new credit users or those building their score. It features a low 0.99% foreign currency markup, complimentary railway lounge access, and spend-based domestic airport lounge access. The card offers a decent reward rate and becomes effectively lifetime free from the second year, requiring a minimum fixed deposit of ₹20,000. It's a cost-effective option for establishing credit history.

Who is it for?

The IDFC FIRST WoW Credit Card is a lifetime-free, FD-backed credit card ideal for individuals seeking an assured credit solution without a credit history or income proof. It offers exceptional value with zero forex markup fees on international transactions and interest-free ATM cash withdrawals for up to 45 days. Cardholders earn up to 4X Reward Points on various spends and benefit from comprehensive insurance covers. This card is perfect for first-time credit users, international travelers, and those looking to build their credit score while earning interest on their Fixed Deposit.

Pros

Key benefits and features.

Low foreign currency markup charge of 0.99%, beneficial for international transactions.

Rewards are earned on insurance and utility spends, offering broader earning potential.

Offers complimentary railway lounge access (2 visits per quarter) for convenient travel.

Provides domestic airport lounge access with a reasonable spend-based criterion.

Milestone benefits are based on quarterly spending, making them achievable for users.

Pros

Key benefits and features.

Lifetime-free with zero joining and annual fees, offering great value.

Zero Forex Markup Fees on international transactions, saving on global spends.

No credit history or income proof required, making it accessible for many.

Interest-free ATM cash withdrawals for up to 45 days, providing financial flexibility.

Helps in building a credit score while your linked Fixed Deposit earns interest.

Cons

Key drawbacks and limitations.

May not offer sufficient premium features for experienced cardholders.

Lacks specific dining or movie benefits, a drawback for younger users.

Requires a fixed deposit to be maintained for the card's tenure.

Cons

Key drawbacks and limitations.

No add-on card facility is available, limiting sharing options for family.

Reward points are not applicable on Fuel, EMI transactions, and Cash withdrawals.

A reward redemption fee of ₹99 + GST applies, reducing the net value of rewards.

Reward points have a validity of 24 months, requiring timely redemption planning.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Nomo Credit Card(opens in new tab)Apply for IDFC FIRST WoW Credit Card(opens in new tab)