Axis Bank Shoppers Stop Credit Card vs IDFC FIRST Select Credit Card

• Renewal fee will get waived for cumulative spend of Rs. 1 Lakh and above
• Avail unlimited 20 First Citizen accelerated points for every Rs. 200 spent on private label brands of Shopper’s Stop
• Avail unlimited 12 First Citizen accelerated points for every Rs. 200 spent on beauty products and other brands at Shopper’s Stop
• Avail unlimited 2 First Citizen points earned on every Rs. 200 spent elsewhere
• Reward points will get credited directly to the cardholder’s First Citizen Loyalty account
• Enjoy a 15% instant discount on EazyDiner with Axis Bank Shoppers Stop Credit Card
• Maximum discount is capped at Rs. 500 per month
• Offer is applicable on a minimum order value of Rs. 2500
• Get 15% instant discount on EazyDiner. The maximum discount is capped at Rs. 500 per month and this offer is applicable on a minimum order value of Rs. 2500
• Avail 1% fuel surcharge on fuel purchases at all fuel outlets in India. This is valid on transactions between Rs. 400 to Rs. 5000

• 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

• No redemption fee, customers can easily redeem points without paying any additional fees
• Renewal fee will get waived on spending of Rs. 1 lakh or more in the previous year
• Welcome benefits

Cons

• No railway lounge access
• No airport lounge access
• Reward points are limited to Shoppers Stop outlets online/offline only

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