Compare : AU Vetta Credit Card vs IDFC FIRST Select Credit Card

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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

4 reward points for every Rs. 100 spent on grocery & departmental stores

2 reward points for every Rs. 100 spent on other merchant categories

1 reward point for every Rs. 100 spent on insurance and utility & telecom categories

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

1 complimentary domestic & 1 complimentary international lounge visit every quarter

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

4X rewards on everyday spends, including grocery & departmental stores

Base reward rate on utility & telecom spends

Complimentary domestic & international lounge visits

Up to 1,500 bonus rewards as quarterly milestone benefit

Vouchers worth Rs. 1,000 every year as annual milestone benefits

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

Domestic lounge access benefits are spend-based

High annual fee of Rs. 2,999 plus applicable taxes

Limited lounge access benefits

Low reward redemption value at 1 RP = Rs. 0.25

Spend-based condition on lounge access and movie discount

Consumers looking for a credit card with accelerated benefits on everyday spends

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