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

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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

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

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

1 complimentary domestic & 1 complimentary international lounge visit every quarter

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

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

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

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

No lounge access benefits

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

Limited redemption options

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 movies, dining and domestic travel