Compare : IDFC FIRST Select Credit Card vs SBI Card PRIME

Welcome vouchers worth Rs. 500 on spending Rs. 5,000 or more within the first 30 days

5% cashback up to Rs. 1,000 on the first EMI done within 30 days of card setup

E-gift vouchers worth Rs. 3,000 from any of the top brands amongst Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra, Aditya Birla and more

10X reward points on birthday spends & spends made after reaching the monthly spends of Rs. 20,000

3X reward points on online & offline spends for spends up to Rs. 20,000 per month

1X reward points on utility, insurance and other spends

1X = 1 Reward Point per Rs. 150 spent

1 Reward Point = Rs. 0.25

10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies

2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

20 reward points for every Rs. 100 spent on birthday

Value of 1 Reward Point = Rs. 0.25

2 domestic airport lounge access per quarter on minimum monthly spends of Rs. 20,000

4 complimentary international lounge visits and 8 complimentary domestic lounge visits in a year

Lifetime-free credit card with up to Rs. 1,500 worth of joining benefits

Accelerated reward points without any category restrictions

Low forex markup fee of 1.99%

Complimentary airport and railway lounge access

Accelerated rewards on birthdays

Rewards on utility bill payments and wallet reloads

5X reward points on dining, movies, grocery and departmental store spends

Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more

Complimentary domestic and international lounge visits

Benefits on hotel, golf, dining and more (based on card network)

Low reward redemption value at 1 RP = Rs. 0.25

No lounge access benefits

Low reward rate, specially for cumulative spends below Rs. 20,000

Limited redemption options

Low reward redemption value of Rs. 0.25

No other travel benefits except complimentary lounge access

Annual fee of Rs. 2,999 is quite high for the set of benefits offered

Those who are looking for a lifetime-free card with decent reward program and lifestyle-related offers on movies, dining and domestic travel

Frequent travellers and heavy spenders who can maximize the benefit of high reward rate along with other travel features