Standard Chartered Emirates World Credit Card vs IndiGo IDFC FIRST Dual Credit Card
Joining Fees
₹3,000
₹4,999
Editor's Rating
3.1
4
Key Features
- On Emirates transactions of Rs. 150 earn Six Skyward miles, and Three Skyward Miles on every Rs 150 spent on all other transactions.
- Get complimentary lounge access to 25+ domestic lounges through the Mastercard Lounge program and Two complementary accesses to Domestic and International Priority Pass lounges per month. Spend more than Rs 10,000 in a month and enjoy Two free accesses to Priority Pass lounges in the next month.
- Complimentary overseas air accident coverage of Rs. 1 Crore including insurance on the loss of baggage and flight delay
- Get access to three complimentary golf games a year, one free lesson a month and 50% discount on all games.
- Redeem Skywards miles on Emirates, Jet Airways, Qantas, Jetstar, easyJet, JetBlue, Alaska Airlines and more.
Option 1 (With Fees):
- Joining fee: Rs.: 4,999 + GST
- Welcome Benefits of 8,000 BluChips
- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment
- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days
- Complimentary 3 Month EazyDiner Membership
- Milestone Benefits: Vouchers of 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
- Annual Fee Rs. 4,999 +GST (2nd year onwards)
- Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App
• 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
- Annual Fee Rs. 4,999 +GST (2nd year onwards)
- Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App
• 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:
- Seamless online & POS transactions globally
- Exclusive travel and dining benefits
- 4 complimentary golf rounds and 12 complimentary golf lessons every year
RuPay Privileges:
- Seamless online, POS & UPI QR transactions in India
- Scan and pay at 60Mn+ merchants
- Enjoy exclusive discounts on the RuPay network
Editor's Review
Pros
- Earn miles on every transaction
- Airport Lounge access
- Cashback on Duty-Free purchases
Cons
- Interest rate is high
- Annual fee/renewal fee is high
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
- No complimentary airport lounge access although being a travel card
- No lifestyle benefits on non-travel spending categories
- No complimentary BluChip is offered along with the card
