HDFC Bank Titanium Edge Credit Card vs IDFC FIRST Classic Credit Card

Joining Fees

₹0

₹0

Editor's Rating

3.9

3.3

Key Features

  • Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
  • Avail 2 reward points for every Rs. 150 spends
  • Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
  • Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
  • Earn 50% more reward points as exclusive dining privileges
  • Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
  • Zero liability on lost card
  • With the EMV Chip technology in the card, stay protected against fraud
  • Avail of 50 days of interest-free period from the date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card
  • 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

  • Avail 2 reward points for every Rs. 150 spends
  • Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
  • Earn 50% more reward points as exclusive dining privileges

Cons

  • No golf benefits
  • No insurance benefits
  • No 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


More comparisions with HDFC Bank Titanium Edge Credit Card

More comparisions with IDFC FIRST Classic Credit Card

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