Compare : IDFC FIRST Select Credit Card vs SBI Card PRIME

Rs. 500 gift voucher from Amazon, Bigbasket, Uber or Lifestyle on spending Rs. 5,000 within 30 days of card generation

5% cashback, up to Rs. 1,000, on the 1st EMI transaction within 30 days card generation

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

20% bonus reward points​ on hotel and 10% on flight bookings made on ‘FIRST Rewards Gallery’ section on IDFC FIRST Bank App

10 reward points per Rs. 200 spent on dining, travel, international and birthday purchases

3 reward points per Rs. 200 spent on other categories

1 reward point per Rs. 200 spent on utility bill, insurance premium, railway and FASTag recharge payments

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

1 complimentary domestic lounge access per quarter on spending Rs. 20,000 in the previous month; 4 complimentary railway lounge access per quarter on spending Rs. 20,000 in the previous month

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

Uncapped reward points with higher savings on travel and dining spends

Low forex markup fee of 1.99%

Rewards on utility bill and insurance payments

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

Spend-based condition on lounge access and movie discount

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 travel, movies and dining

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