Compare BOI SwaDhan Rupay Platinum vs IndiGo IDFC FIRST Dual Credit Card

SwaDhan Rupay Platinum Credit Card is issued against TDR
The Card is valid in India, Nepal and all foreign centers across the Globe, wherever Rupay logo is displayed
Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
Fuel Transaction Surcharge: 1% of transaction amount

Option 1 (With Fees):

- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment

- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• 6 on Card & Up to 16 from IndiGo (based on tier

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

Power of 2 Card Networks: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
Free Trip Cancellation cover: Avail reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
Redeem Your BluChips: Use the BluChips for IndiGo Flights

Option 2 (With FD):

Free for the first year with min Rs. 1 Lakh FD
Welcome Benefits include getting 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days, and Complimentary 3 Month EazyDiner Membership
Assured approval - Fixed deposit backed card and no credit history needed
Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• 6 on Card & Up to 16 from IndiGo (based on tier)

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

Power of Dual Cards: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
Free Trip Cancellation cover: Get reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
Redeem your Indigo Bluechips: Use the IndiGo BluChips for IndiGo Flights

Mastercard World Privileges:

RuPay Privileges:

Pros

Redeem StarPoints to get free gifts, merchandise and services from BOI redemption platform. The platform of free gifts, merchandise and services includes: Airline tickets, Personalized products, Bus tickets, Movie tickets, Entertainment products, Electronic items, Family, Home, Fashion & Beauty products, Music and Sports products, and Limited-time Seasonal Rewardz, etc
Interest free credit for up to 51 days and revolving credit at preferential rate
EMI at POS facility available on POS that are managed/owned by M/S WorldLine Private Limited irrespective of Bank

Cons

Pros

IndiGo loyalists can take great advantage of this card as they can earn BluChips for spending through the airline’s website and app
4 complimentary golf rounds and 12 complimentary golf lessons every year
Enjoy exclusive discounts on the RuPay network

Cons