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YES Premia Credit Card vs IDFC FIRST Select Credit Card

Joining Fees

₹1,599

₹0

Editor's Rating

3.5

2.75

Key Features

  • Avail 8 Reward Points per Rs. 200 on Grocery Stores & Supermarkets, Department Stores and Dining spends & 6 Reward Points per Rs. 200 on all other retail spends
  • Priority Pass membership offering two complimentary international lounge access per calendar year
  • 25% Discount on Movie Tickets booked on BookMyShow capped at Rs 250
  • Complimentary Domestic Lounge access & Golf privileges across select golf courses in India
  • 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

Editor's Review

Pros

  • Fuel surcharge waiver at fuel stations across India
  • Attractive Foreign Currency Markup of 2.5%
  • Credit Shield cover of Rs. 2.5 Lakhs in case of accidental death of Primary Cardmember

Cons

  • High-interest rates
  • Complimentary Priority Pass Membership for Primary Cardmember only. All visits will be charged US $27+GST per person per visit

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


More comparisions with YES Premia Credit Card

More comparisions with IDFC FIRST Select Credit Card

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