HDFC Doctor’s Superia Credit Card vs IDFC First WOW! Credit Card

• Avail 3 Reward Points for every Rs. 150 you spend. Accumulate Reward Points and redeem them for air miles on more than 20 international airlines or on any major domestic airline. You can also redeem your Reward Points for exciting gifts from an exclusive rewards catalogue, at the applicable redemption rate.
• Enjoy 50% more reward points on dinner spends.
• Doctor's Superia Credit Card provides protection worth up to Rs. 20 Lakh against costs arising due to professional negligence.
• Get first year fee reversed if you spend Rs. 15,000 in first 90 days of card set-up date and renewal fee reversed if you spend Rs. 1,00,000 in a year prior to the renewal date.

• Lifetime free credit card - No joining fee/annual fee
• Get up to 4x Reward Points on every transaction
• Unlimited never expiring reward points as good as cash
• Insurance premium payments and Utility bill payments will earn 1X reward points
• Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
• Zero interest charges on ATM cash withdrawals for up to 45 days 
• Zero Currency Exchange Hassles
• Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
• Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
• 1% Fuel Surcharge Waiver
• Withdraw cash up to 100% of FD value
• Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
• Earn 4X Reward Points on every travel spend
• Up to 3X reward points on all UPI spends
• Credit limit minimum 100% of the FD Value
• No credit history required
• No income proof required
• Instant Card Issuance
• Discover discounts across 1500+ resturants and retailers
• Get discount across 300+ merchants and 1500+ resturants
• Credit shield protection against theft and fraud
• Access to exclusive VISA offers across the globe

Pros

• Renewal Benefit: 1000 reward points
• Any One Accident: Rs 4 Lakh & Deductible: Rs 25,000 for each & every claim
• Reward points validity: Reward points are valid only for 2 years from the date of accumulation.

Cons

• No golf/coaching sessions
• No complimentary Airport Lounge access

Pros

• Lifetime free credit card
• Get a 100% credit limit against the amount of Fixed Deposit
• Get up to 4x Reward Points on every transaction

Cons

• No travel benefits
• No golf benefits
• No complimentary domestic or international airport lounge access