Citi Rewards Credit Card vs IDFC FIRST Classic Credit Card
Joining Fees
₹1,000
₹0
Editor's Rating
4.1
3.3
Key Features
- Earn minimum 1 reward point for every 125 on all purchases
- Gain 10X reward points at online, physical department, and apparel stores
- Gain 300 bonus points on card purchase of Rs. 30,000 or more in a month
- You can either redeem your points now or keep collecting them – it's a choice you have because they will never expire
- Instant Loans
- 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
Editor's Review
Pros
- Get rewarded every time you shop
- Redeem Miles instantly via SMS against purchases at leading brands
- Turn big purchases into small payments
Cons
- No Golf/coaching sessions
- No complimentary Airport Lounge access
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
