Bank Of Maharashtra - SBI Card vs IDFC FIRST Classic Credit Card

• Bank Of Maharashtra - SBI Card’s Welcome Offer: Avail Rs. 100 cashback on the  first ATM cash withdrawal, if done within 30 days of receiving the card
• Annual membership fee reversal from the second year 
• Get 1 Reward Point on every Rs. 100 as you spend using the Bank of Maharashtra - SBI Card. Use the Reward Points to pay the outstanding balance on the credit card or redeem against a wide array of gifts
• Bank of Maharashtra - SBI Card is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India
• Withdrawals of cash can be done anytime from over 1 million Visa ATMs worldwide
• Book railway tickets online and they’ll get delivered at your doorstep

• The FIRST Classic Credit Card is now powered for UPI
• Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
• Up to 3X reward points on all UPI spends
• 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
• 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
• Unlimited Reward points that don’t expire
• Use the Reward points to instantly pay for online or in-store purchases
• 1X Reward Points on Insurance premium payments and Utility bill payments
• 1X = 1 Reward point per Rs. 150 spent
• Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
• 4 complimentary Railway lounge visits per quarter
• Complimentary Roadside Assistance worth Rs. 1,399
• Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
• Enjoy 300+ Merchant offers all year long
• Get up to 20% discount at 1500+ restaurants
• Up to 15% discount at 3000+ Health & Wellness outlets
• Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• Convert all transactions above Rs. 2,500 into easy & convenient EMIs from 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 the other bank credit cards with IDFC Bank's balance transfer privilege

Pros

• Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward points
• Up to 2.5% value back, as you get 10X Reward Points per Rs. 100 spent at all Departmental and Grocery stores
• On all other spends earn 1 Reward point per Rs. 100 spent. (4 Reward points = Rs. 1)

Cons

• No Complimentary Airport Lounge access 
• No Golf Privileges 

Pros

• 10X Rewards on all spends done on your Birthday
• Reward points will never expire
• Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

• No milestone benefits
• Airport Lounge access limited, depends on the bank’s current offers
• Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers