IDFC First Earn Credit Card vs IDFC FIRST Classic Credit Card

• 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

• The FIRST Classic Credit Card is now powered for UPI
• Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
• Up to 3X reward points on all UPI spends
• 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
• 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
• Unlimited Reward points that don’t expire
• Use the Reward points to instantly pay for online or in-store purchases
• 1X Reward Points on Insurance premium payments and Utility bill payments
• 1X = 1 Reward point per Rs. 150 spent
• Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
• 4 complimentary Railway lounge visits per quarter
• Complimentary Roadside Assistance worth Rs. 1,399
• Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
• Enjoy 300+ Merchant offers all year long
• Get up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets
• Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• Convert all transactions above Rs. 2,500 into easy & convenient EMIs from the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from the other bank credit cards with IDFC Bank's balance transfer privilege

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

Pros

• 10X Rewards on all spends done on your Birthday
• Reward points will never expire
• Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

• No milestone benefits
• Airport Lounge access limited, depends on the bank’s current offers
• Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers