Compare Spar SBI Card SELECT vs IndiGo IDFC FIRST Dual Credit Card

On overall annual retail spends of Rs 300,000, avail 12,000 bonus Reward Points
On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points
On annual spends of Rs 75,000 across all Landmark Stores, earn 8,000 bonus Reward Points
With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home

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

Welcome benefit of receiving 6,000 bonus reward points equivalent to Rs. 1,500 on payment of Annual Fees
Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
Get 2 Reward point per Rs. 100 spent on other retail purchases (Non-fuel)

Cons

No Golf/coaching sessions
Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits

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