HDFC Bank UPI RuPay Credit Card vs IDFC First Earn Credit Card

* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions. The maximum points that can be earned in a calendar month is 500 Points
* Avail 2% Cashpoints on Utility spends. The maximum points that can be earned in a calendar month is 500 Points
* Avail 1% Cashpoints on other spends. The maximum points that can be earned in a calendar month is 500 Points
* Up to 50 days of interest free period on the HDFC Bank UPI RuPay Credit Card from the date of purchase
* Revolving Credit on HDFC Bank UPI RuPay Credit Card is at nominal interest rate
* In an annual year, before the Credit Card's renewal date, spend Rs. 25,000 or more and get renewal fee waived off from second year onwards

• Get 1% Cashback on every spend via the IDFC FIRST Bank mobile app
• Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
• Annual Fee (2^nd year onwards): Rs. 499+GST, waived off on annual spends of Rs. 1 lakh and more
• Welcome Bonus: 100% cashback, up to Rs. 500, on the 1st UPI spend made within 15 days of card generation and 5% cashback, up to Rs. 1,000, on the 1st EMI transaction value made within 30 days of card set-up
• Annual Benefit: Get 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the 1st 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
• Convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
• 25% discount up to Rs. 100 on movie tickets booked on District by Zomato
• 20% discount across 1,500+ resturants
• Complimentary roadside assistance worth Rs. 1,399
• Convenience of UPI + Power of Credit at 60+ million merchants
• Card Liability Cover of Rs. 25,000, Personal Accident Cover of Rs. 2,00,000, Credit Shield of Rs. 50,000, and Purchase Protection of Rs. 25,000
• Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of Rs. 249 (+GST) per transaction
• Forex Markup at 3.5% for all international transactions
• Utility spends (Electricity, Gas, Telecom etc.) above Rs. 20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
• Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App:

A. Bonus 4% cashback on all Flight bookings - Over and above your Credit Card Cashback
B. Bonus 8% cashback on all Hotel bookings - Over and above your Credit Card Cashback
C. Redeem your Reward Points - For flight and hotel bookings

Pros

* Avail 3% Cashpoints on Groceries, SuperMarket & Dining spends & PayZapp transactions
* Avail 2% Cashpoints on Utility spends
* Avail 1% Cashpoints on other spends

Cons

* No Golf benefits
* No airport lounge access
* No fuel benefits

Pros

• Bonus 4% cashback on all Flight bookings, Bonus 8% cashback on all Hotel bookings, and Redeem the Reward Points For flight and hotel bookings
• Since the card is on the RuPay network, it can be easily linked to UPI
• Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load

Cons

• No fuel benefits
• No golf benefits
• No complimentary domestic or international airport lounge access