IDFC First WOW! Credit Card vs Axis Bank Reserve Credit Card
Joining Fees
₹0
₹30,000
Editor's Rating
3.7
Key Features
- Lifetime free credit card - No joining fee/annual fee
- Get up to 4x Reward Points on every transaction
- Unlimited never expiring reward points as good as cash
- Insurance premium payments and Utility bill payments will earn 1X reward points
- Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
- Zero interest charges on ATM cash withdrawals for up to 45 days
- Zero Currency Exchange Hassles
- Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
- Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
- 1% Fuel Surcharge Waiver
- Withdraw cash up to 100% of FD value
- Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
- Earn 4X Reward Points on every travel spend
- Up to 3X reward points on all UPI spends
- Credit limit minimum 100% of the FD Value
- No credit history required
- No income proof required
- Instant Card Issuance
- Discover discounts across 1500+ resturants and retailers
- Get discount across 300+ merchants and 1500+ resturants
- Credit shield protection against theft and fraud
- Access to exclusive VISA offers across the globe
- Upon joining Axis Bank Reserve Credit Card, avail 50000 reward points on card activation and renewal
- 15 edge reward points for every Rs.200 spent
- 2X rewards on international spends
- Annual fee will be waived off on spending Rs.25 lakh in the preceding year
- Reduced markup of 1.5% on international transactions
- No cash withdrawal charges
- Fuel surcharge waiver: 1% for transactions between Rs.400 to Rs.4000 (Capped at Rs.400 per month)
- Reduced APR of 2.5% on extended credit
- Counterfeit/lost card liability up to credit limit
- Purchase protection: Rs.2 Lakhs
- Loss/Delay in baggage & Personal Documents: 500 USD
- Credit shield: Rs.5 Lakhs
- Air accident cover: Rs.450 Lakhs
- Complimentary airport concierge services: Get 8 complimentary VIP Assistance Services for a hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services
- Complimentary luxury airport transfers: Get 4 complimentary chauffeured luxury airport pick-ups/drops every year
- Complimentary Priority Pass membership with unlimited visits: Cherish the benefit of unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests
- Avail unlimited complimentary domestic lounge visits for both the primary and add-on card holders. 12 complimentary guest visits in a year for accompanying guests
- Club ITC Culinaire Membership: Complimentary third night stay, 50% savings on published room tariff for suites on weekends, 25% Green Points on Food & Beverage spends, and Bouquet of 10 certificates and more
- Accorplus membership: Get 1 night complimentary stay across Asia Pacific region, complimentary room upgrade, 50% off on dining, and complimentary lunch buffet for 2 across Accor hotels in India
- Handcrafted Club Marriott Asia Pacific membership: Avail 20% off on food and beverage and 20% off on best available rates at participating Marriott hotels in India and on Weekend rates in the Asia Pacific
- Exclusive offers at Oberoi Hotels and Resorts: Get 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites
- 20% savings at Postcard hotels: Avail 20% off on best available room rate, anytime check-in and check out, and a complimentary lifestyle consultation (applicable at our hotels in Goa)
- Complimentary golf rounds: 50 Complimentary golf rounds every year across best golf courses in India
- Complimentary EazyDiner Prime membership: Savings of up to 25% across premium restaurants
- Buy 1 and Get 1 complimentary on BookMyShow: Buy 1 movie ticket and get up to Rs.500 off on the second ticket for a maximum of 5 times a month. And buy 1 non-movie ticket and get up to Rs.1000 off on the second ticket for a maximum of 5 times a month
- Dining delights: A dining proposition on Axis Bank cards which provides up to 20% discount at over 4,000 restaurants across India
- Handpicked experiences at extraordinaryweekends.com: Curated experiences such as sailing, golf, chef for a day, unique tours, etc
- Concessions on health and wellness coaching at Weljii: 1st complimentary information session and 25% savings on all health and wellness coaching plans
- Second medical opinion with world-class medical specialists: Referral-based service for second medical opinion with world-class specialists at reputed international hospitals
- Diagnoses at leading medical institutions: Exclusive savings on healthcare packages and pathology tests at Dr. Lal Pathlabs, Metropolis and SRL Diagnostics
- Global travel and medical assistance for international travel
Editor's Review
Pros
- Lifetime free credit card
- Get a 100% credit limit against the amount of Fixed Deposit
- Get up to 4x Reward Points on every transaction
Cons
- No travel benefits
- No golf benefits
- No complimentary domestic or international airport lounge access
Pros
- Fuel Surcharge Waiver
- Handcrafted Club Marriott Asia Pacific Membership
- Exclusive offers at Oberoi Hotels and Resorts
Cons
- High Joining and Annual Fees
