BOB Financial Prime vs IDFC First Power Plus Credit Card

• Get PRIME against fixed deposit of  Rs. 15,000 or more without any income proof
• PRIME is lifetime free, which means Zero First Year and Annual Fees
• 1% fuel surcharge waived for all fuel transactions between  Rs 400 - Rs 5,000 (Max. waiver of Rs. 250 per month)
• Convert purchases  of more than Rs 2,500 on your card into easy EMIs of 6/12 months
• Free Personal Accidental Death Cover ensures the financial protection of your family

• Up to 6.5% savings on fuel expenses
• Enjoy 5% savings as Rewards on Grocery and Utility expenses
• Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
• Avail 3X Rewards on other retail transactions
• Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
• Complimentary Roadside Assistance worth Rs. 1,399
• Get 25% off on movie tickets, up to Rs. 100, once every month
• Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• EMIfy your purchases and balances and enjoy convenience of payment
• Extend Add-on card to your co-passenger and boost your savings without any extra charges
• Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
• You can also earn rewards on your UPI Spends

Pros

• 1% cashback
• No fee
• Minimum deposit of Rs. 15,000 

Cons

• No perks or promotions
• No Golf/coaching sessions
• No complimentary Airport Lounge visits

Pros

• With this credit card, you get rewards on UPI transactions also
• The joining fee is affordable
• Up to 6.5% savings on fuel expenses

Cons

• No Golf benefits
• No fuel benefits
• No complimentary international airport lounge access