Citi Prestige Credit Card vs IDFC FIRST Select Credit Card
Joining Fees
₹20,000
₹0
Editor's Rating
4.1
2.75
Key Features
- Get benefits worth Rs. 38,000+ in the first year
- Welcome Bonus Miles worth Rs. 4,500
- Taj Group/ ITC Hotels Vouchers of Rs. 10,000
- Reward Points worth Rs. 24,000 on annual spends
- Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback on making the first EMI transaction made within 90 days of card set-up
- 10X Reward Points on purchases greater than Rs.20,000
- 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
- 4 complimentary domestic lounge access per quarter
- 4 complimentary Railway lounge access every quarter
- Low foreign exchange mark-up fee of 1.99%
- 20% discount on 1500+ Restaurants
- 15% discount on 3000+ Health & Wellness Outlets
- Free Road Side Assistance(RSA) worth Rs. 1,399
Editor's Review
Pros
- Never expiring reward points
- Epicure Plan of Taj InnerCircle membership
- Complimentary Priority Pass Lounge Access for Primary as well as add-on Card members
- Instantly Pay with Points at select partners
Cons
- High Annual Membership Fee of Rs. 20,000 + taxes
- High-interest rate
Pros
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Comprehensive Travel Insurance Cover of Rs. 22,500
Cons
- Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
- Interest-free cash withdrawal available for 48 days only
- The dining benefits provided by the card are satisfactory but not that great
