Compare : YES Private Credit Card vs IDFC FIRST Private Credit Card

2 lakh Reward points as welcome bonus

Oberoi e-gift vouchers of Rs. 9,000 on joining and annual fee payment

50,000 Reward points on spending Rs. 10 lakh within 90 days of card setup

1,00,000 bonus rewards points worth Rs. 25,000

Complimentary Club ITC Culinaire Select Membership

Complimentary Accor Plus Explorer Membership

40 Reward points per Rs. 200 spent internationally

20 Reward points per Rs. 200 spent on domestic purchases

1 Reward point = Up to Rs. 0.25

10 reward points per Rs. 100 spent across all categories except rent, education and insurance

3 reward points per Rs. 100 spent on rent and education spends

1 reward point per Rs. 100 spent on insurance premiums

1 Karma Point per Rs. 100 spent beyond monthly spends of Rs. 30,000

10% of total birthday spends given as Karma Points

Unlimited access to domestic airport lounges on Rs. 35,000 quarterly spends and international lounges with 12 guest visits to each domestic & international lounges per year

Unlimited access to international airport lounges and to domestic airport spas and lounges, with 16 railway lounge visits per year

Welcome benefit compensates the high joining fee of Rs. 50,000

Premium travel and lifestyle perks

Low forex mark-up fee of 0.5%

Unlimited domestic and international lounge access for primary and add-on cardholders

No forex mark-up fee

Unlimited lounge access with extensive travel-assistance benefits

Up to Rs. 18,000 off on entertainment bookings like movies, events, etc.

Low reward redemption value of Rs. 0.25

Only high-spenders can make the most of the rewards program

High annual fee of Rs. 10,000

Reward rate of 2.5% is low as compared to other super-premium credit cards

No air miles conversion option

Those who travel extensively and are looking for a super-premium card with low forex mark-up, luxury complimentary travel services and high rewards earnings with savings on other lifestyle-related spends

High-income individuals who travel often, regularly shop internationally and are high spenders.