Compare credit cards
Compare up to three credit cards side by side. Explore fees, rewards and benefits to find the right card for you.
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Comparison dimension
See how annual fees, rewards and benefits differ, so you can choose a credit card that suits your spending and needs.
Best for
Best forA typical fit, not personalised advice.
- May suit people with no credit history or income proof who can place an IDFC FIRST Bank FD of at least ₹20,000 and.
- Less suited to — People who cannot lock funds in a fixed deposit, want an add-on card may wish to compare other cards.
Fees & ownership
Annual / renewal fee
₹750 + GST
Joining fee
₹750 + GST
Fee waived at
Spend ₹1,50,000 a year
Rewards & value
Base rewards
reward points
Accelerated rewards
Earning terms not yet recorded from the issuer’s own documents
Effective valueNeeds an annual spend to mean anything — the card value calculator asks for one.
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Reward point valueThe rupee value per point recorded for the card’s reward programme.
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Reward cap
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Important conditions
Major reward exclusions
No reward points on fuel, EMI transactions and cash withdrawals. Utility, insurance, FASTag and railway spends earn only 1 RP per ₹150. Points are earned only on spends up to the credit limit per billing cycle.
Travel & lifestyle
Lounge access
Domestic: 4 / year
Lounge requirementWhat has to be true before a lounge visit is free
4 domestic airport lounge visits a year (1 per calendar quarter); needs ₹20,000 spend in the prior calendar month
Forex markup
0%
Everyday benefits
Fuel benefit
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RuPay / UPI support
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Eligibility
Minimum income
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Other costs
Finance chargeWhat an unpaid balance costs
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Decision
Good to knowThe one condition most likely to change the maths.
No reward points on fuel, EMI transactions and cash withdrawals. Utility, insurance, FASTag and railway spends earn only 1 RP per ₹150. Points are earned only on spends up to the credit limit per billing cycle.
Missing values were not published by the issuer; PaisaKhoj does not estimate them. A highlighted figure marks the lower or higher of two directly comparable amounts on that row alone — it is not a recommendation, and no card here is named an overall winner.