AU Nomo Credit Card vs IDFC FIRST Select Credit Card

• Welcome Benefit: Begin the journey with NOMO FD Credit Card by earning 500 Reward Points on the very first transaction within 30 days of card setup
• Earn 2 Reward Points for every Rs. 100 spent on retail purchases and 1 Reward Point for every Rs. 100 spent on utility and insurance transactions. Do note that Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends
• Milestone Benefits: In a quarter, cross Rs. 25,000 retail spends and get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter. Fuel and Cash transactions will not be considered for Milestone benefit calculation
• Lower Forex Markup of just 0.99%
• 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 20,000 spends in calendar quarter
• Railway Lounge Access: Recharge before the journey with 2 Complimentary Railway Lounge visits per calendar quarter. Do note: add-on cardholders can also enjoy Railway Lounge Access within the mentioned complimentary number of visits
• 1% Fuel Surcharge Waiver for transactions between Rs. 400 and Rs. 5,000 at fuel stations across India (up to Rs. 100 per statement cycle)
• Redeem the Reward Points for a variety of benefits, including e-vouchers, merchandise, mobile / DTH recharges, and flight / hotel bookings from AU Bank’s curated rewards catalogue
• Zero liability on any fraudulent transactions made with card after reporting the loss to the bank
• Get protected against Card Counterfeit/Skimming and Online frauds
• Contactless Card Usage: Tap and pay at participating merchants without entering your PIN for transactions up to Rs. 5,000
• Convert transactions worth Rs. 2,000 or more into easy EMI options with a simple call to the bank

• 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

Pros

• Low forex markup charge of 0.99%
• Insurance and utility spends are also rewarded with this card
• 2 Complimentary access to Domestic Airport Lounges

Cons

• NOMO Card is good for beginners, but for those seeking higher features should seek elsewhere
• No dining or movie benefits
• No complimentary international airport lounge access

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