American Express PAYBACK® Credit Card vs IDFC FIRST Select Credit Card

• Earn multiple Points from more than 50 PAYBACK partners and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
• Milestone Benefits: Avail Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakh in a Card-membership year. Earn a Flipkart voucher worth Rs 2,000 on spending Rs. 1.25 Lakh in a Card-membership year. Additionally, earn a Flipkart voucher worth Rs. 5,000 on spending Rs. 2.5 Lakh in a Card-membership year
• Earn 2 PAYBACK Points for every Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. Boost the PAYBACK Points while shopping at over 50 PAYBACK partner brands
• The NEW American Express PAYBACK Credit Card provides a range of other exciting offers and privileges too. Other exciting offers are available on Fuel, Dining, Limited liability for card loss, Contactless Payment

• Get 3X Reward Points on Spends till Rs. 20,000 in a statement cycle
• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Avail 1X Reward Points on Insurance premium and Utility bill payments
• Use the Reward points to instantly pay for online or in-store purchases
• Get 3X Reward Points on rental and property management transactions
• Avail ‘Buy One, Get One' offer on movie tickets up to Rs. 125 on Paytm mobile app. This is valid twice per month
• Enjoy 300+ Brand Offers all year long
• Get up to 20% discount at 1500+ restaurants
• Complimentary Roadside Assistance worth Rs. 1,399
• 1% Fuel Surcharge Waiver up to Rs. 300 per month at all fuel stations in India, on transactions between Rs. 200 and Rs. 5000
• 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 Rs. 22,500
• Convert all transactions above Rs. 2,500 into easy and convenient EMIs on the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from other bank credit cards with the bank’s balance transfer privilege

Premium Benefits includes as follows:

• Availing 2 complimentary Domestic airport lounge visits per quarter, on spending Rs. 20,000 every month  
• Availing 4 complimentary railway lounge visits per quarter
• Cancellation For Any Reason (CFAR) insurance: Get cancellation cover for up to 2 claims up to Rs. 10,000, will be available for hotel and flight booking cancellations.

VISA Offers are as follows:

• Airport Meet & Greet - Avail discounts on Airport Fast Track immigration service worldwide
• Airport Transfers - Enjoy discounts on Airport transfer limousine service across in more than 3000 cities across 83 countries
• Concierge 
• Luxury Hotel Collection – Get access to over 900 luxury hotels around the globe with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others

MasterCard Offers are as follows:

• Limo Service Airport Pick Up and Drop 
• Airport Meet & Assist - Cardholders will get assistance through the airport with all aspects of their departure and arrivals
• Get 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year

Pros

• Get rewarded on all your spends
• Reasonable Joining Fees

Cons

• No Fuel Surcharge Wavier
• No complimentary Airport Lounge Access

Pros

• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Domestic airport and railway lounge access
• Get 3X Reward Points on rental and property management transactions

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