AU Small Finance Bank Vetta Credit Card vs IDFC FIRST Select Credit Card

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

• 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
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles

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