Axis Bank Freecharge Plus Credit Card vs IDFC First Earn Credit Card
Joining Fees
₹350
₹499
Editor's Rating
3.9
Key Features
- Vouchers worth Rs.700 on Activation
- 5% on Freecharge Spends
- 1% on all other spends
- Annual Fee waiver on spends of Rs.50,000 in an anniversary year
- Get 1% Cashback on every spend via the IDFC FIRST Bank mobile app
- Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
- Welcome Bonus: 100% cashback, up to Rs. 500, on the 1st UPI spend made within 15 days of card generation and 5% cashback, up to Rs. 1,000, on the 1st EMI transaction value made within 30 days of card set-up
- Annual Benefit: Get 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the 1st 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
- Convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
- 25% discount up to Rs. 100 on movie tickets booked on District by Zomato
- 20% discount across 1,500+ resturants
- Complimentary roadside assistance worth Rs. 1,399
- Convenience of UPI + Power of Credit at 60+ million merchants
- Card Liability Cover of Rs. 25,000, Personal Accident Cover of Rs. 2,00,000, Credit Shield of Rs. 50,000, and Purchase Protection of Rs. 25,000
- Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of Rs. 249 (+GST) per transaction
- Forex Markup at 3.5% for all international transactions
- Utility spends (Electricity, Gas, Telecom etc.) above Rs. 20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
- Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App:
A. Bonus 4% cashback on all Flight bookings - Over and above your Credit Card Cashback
B. Bonus 8% cashback on all Hotel bookings - Over and above your Credit Card Cashback
C. Redeem your Reward Points - For flight and hotel bookings
Editor's Review
Pros
- 2% on Ola/Uber/Shuttle and other local transport
- Get Vouchers from Uber and Bookmyshow on activation
- Benefits on entertainment and dining
Cons
- No Golf/coaching sessions
- No Complimentary Airport Lounge Access
Pros
- Bonus 4% cashback on all Flight bookings, Bonus 8% cashback on all Hotel bookings, and Redeem the Reward Points For flight and hotel bookings
- Since the card is on the RuPay network, it can be easily linked to UPI
- Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
Cons
- No fuel benefits
- No golf benefits
- No complimentary domestic or international airport lounge access
