Compare : IDFC FIRST EARN Credit Card vs Kotak811 Super Money Credit Card

10% cashback (Up to Rs. 250) on first transaction done within 15 days

5% cashback (Up to Rs. 1,000) on transaction value of first EMI done within first month

NA

1% cashback on UPI spends via IDFC FIRST Bank mobile app

0.5% cashback on UPI spends via third-party platforms

0.5% cashback on utility, insurance, and wallet loads

Flat 5% cashback on non-UPI spends on Myntra

Flat 3% cashback on non-UPI spends on Cleartrip

Flat 2% cashback on non-UPI spends on Flipkart

Flat 1% cashback on all UPI spends

NA

NA

8% bonus cashback on hotel bookings through ‘Travel and Shop’

4% bonus cashback on flight bookings through ‘Travel and Shop’

Accelerated cashback on UPI spends made via IDFC FIRST Bank app

Up to Rs. 1,200 discount on movie tickets per year through District by Zomato

Welcome benefits worth Rs. 1,250

Lifetime free card with no joining or annual fee

Up to 5% cashback on popular partner brands

1% cashback on all UPI spends

Low forex markup fee of 2%

Available against a minimum FD of Rs. 1,000

Quick approval with instant virtual card issuance

Bonus cashback on travel spends is offered only on bookings made via IDFC FIRST Bank app

No travel benefits, such as domestic and international airport lounge visits

Very low cashback of 0.5% on UPI spends via third-party apps

No additional travel or lifestyle benefits such as lounge access

No benefits on general spends outside partner and UPI categories

Consumers planning to start their credit journey and looking for a card with benefits on UPI spends

New-to-credit individuals looking to start their credit journey and seeking benefits on online and UPI spends