ICICI Bank Instant Platinum Credit Card vs IDFC FIRST Classic Credit Card

Joining Fees

₹0

₹0

Editor's Rating

3.6

3.3

Key Features

* No Joining Fee
* No Annual Fee
* Avail waiver of 2.5% fuel surcharge on fuel purchases at HPCL Petrol Pumps. This is applicable only for transaction up to Rs 4000
* Gain 2 ICICI reward points on every Rs. 100 spent. You can redeem these ICICI reward points for attractive products
* The card has built-in contactless technology
* Gain Reward points and redeem against multiple categories such as Fashion and Lifestyle, Electronics, Travel & Luggage, Health & Beauty, e-Vouchers and Home & Kitchen
* Avail 25% discount, up to Rs. 100, on purchase of minimum two tickets up to two times in a month through www.bookmyshow.com
* Earn interest on the Fixed Deposit and use the Instant Card to manage day to day liquidity – the Card has a low interest rate of just 2.49% per month

  • 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

  • Low-interest rate
  • Earn interest on Fixed Deposit and use the Instant Card to manage day to day liquidity
  • Avail 25% discount up to Rs. 100 on purchase of minimum two tickets up to two times in a month through www.bookmyshow.com

Cons

  • No Golf/coaching sessions
  • No Complimentary Airport Lounge access

To apply for ICICI Bank Credit Cards please click here

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


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