IDFC FIRST Select Credit Card vs HDFC Moneyback Credit Card

• 2 complimentary visits to domestic airport lounges every quarter
• Low forex markup fee at just 1.99%
• Free trip cancellation cover up to Rs. 10,000- Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
• Complimentary railway lounge visits- 4 complimentary visits to lounges at select Indian railway terminals
• Buy-1-Get-1 movie ticket offers- Use the 'Buy One, Get One' discount, up to Rs. 125, on the District by Zomato mobile app (valid twice per month)
• 1% Fuel Surcharge Waiver up to Rs. 300 in a statement cycle at all fuel stations in India on transactions between Rs. 200 and Rs. 5,000
• Over 300+ merchant offers- Enjoy 300+ brand offers across dining, shopping, travel and more, all year long
• Air Accident Cover of Rs. 1 Crore
• Personal Accident Cover of Rs. 5,00,000
• Lost Card Liability Cover of Rs. 50,000
• Comprehensive Travel Insurance Cover of USD 300
• Complimentary Roadside Assistance worth Rs. 1,399- 24/7 roadside assistance during car or two-wheeler emergencies across India
• VISA Offers are as follows:

a. Airport meet and greet discounts- Enjoy exclusive discounts on meet and greet services at 450+ airports worldwide

b. Airport transfer discounts- Exclusive discounts on limousine services in over 3000 cities across 83 countries

c. Travel concierge at your fingertips- Avail personalized assistance for all travel needs. This service provides a modern, personalized experience for self-booking dining, staycations, flights, and activities

• MasterCard Offers is as follows: Complimentary golf rounds and lessons- 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe. Enjoy India Golf Program that includes 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month), and 12 complimentary golf lessons per calendar year (1 lesson per calendar month). Enjoy APAC Golf Program that offers 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Low interest rates (APR)- Starts at just 8.5% per annum
• Interest-free cash withdrawals from ATMs for up to 45 days. One-time cash withdrawal fee of Rs. 199 + GST is applicable
• Activate UPI at just Rs. 199- Joining and Annual fee (2nd year onwards) of just Rs. 199 + GST, Limited period offer get 100% cashback up to Rs. 200 i.e. Rs. 50 each on the first 4 UPI transactions, and Earn up to 3X reward points on your spends
• Enjoy 10X Reward points on incremental spends above Rs. 20,000 per statement cycle and spends done on your birthday
• Avail 3X Reward Points on spends till Rs. 20,000 in a statement cycle
• Avail 1X Reward Points on Insurance premium payments and Utility bill payments
• Convert all transactions above Rs. 2,500 into EMIs

• Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
• Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
• Get 2 Reward Points on every Rs. 150 spent 
• Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
• Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
• Zero Lost card liability
• Up to 50 days of interest free period from the date of purchase
• Enjoy Revolving Credit at nominal interest rate
• Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
• 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
• Avail facility of converting big spends into EMI after purchase
• HDFC Bank MoneyBack Credit Card is enabled for contactless payments
• Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

Pros

• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
• 4 complimentary visits to lounges at select Indian railway terminals

Cons

• No International Airport Lounge access
• Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
• No Priority Pass facility

Pros

• Zero liability on the lost card if reported immediately
• With the EMV Chip technology presented in the card, stay protected against fraud
• Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

• The Reward points are only valid for 2 years
• No complimentary Airport Lounge Access
• High-interest rate of 3.49%