First Citizen Citi Credit Card vs IDFC FIRST Classic Credit Card

• Accelerated Rewards at Shoppers Stop and Ease of Redemption
• Welcome and First-use Benefits worth Rs. 2550
• In-store exclusive Sale Previews and Complimentary Parking
• No Annual Fees for Cardmembers who spend over Rs. 30000 in a membership year 

• 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

• Avail 3 Rs.500 Shoppers Stop vouchers redeemable at Shoppers Stop and Home Stop
• Avail Rs. 500 Shoppers Stop vouchers that are redeemable on Private Brands only
• Fuel surcharge (1%) on fuel purchases at authorized IndianOil outlets

Cons

• No complimentary Airport Lounge access 
• High-interest rate

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