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
- Obtain a Gift Voucher of Rs. 500 on spending Rs. 15,000 within 90 days from card issuance
- 5% Cashback on first EMI transaction done within 90 days from card set-up
- 10X Reward Points on all transactions above Rs. 20,000
- 6X Reward Points on Online Spends
- 3X Reward Points on all Offline Spends
- Avail 25% Discount on Movie Tickets with a Maximum of Rs. 100
- 4 complimentary Railway lounge visits every quarter
- Personal Accident Cover worth Rs. 2 Lakh & complimentary lost card liability cover of Rs. 25,000
- Fuel surcharge waiver
- 15% discount at 3,000+ Health and Wellness outlets
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
