IDFC Club Vistara Credit Card vs IDFC Bank FIRST SWYP Credit Card

Complimentary Club Vistara Silver Membership:
• Priority airport check in
• Increased Check-In Baggage allowance within and outside India
• Priority Waitlist Clearance & Complimentary In flight Wi-fi

Power Up Your Spends:
• Earn up to 6 CV Points on all spends including Utility bill payments, Insurance, Fuel, Rent & Wallet Load
A. 6 CV Points: Spends up to Rs. 1 lakh
B. 4 CV Points: Spends above Rs. 1 lakh
C. 10 CV Points: On dining spends on cardholder’s birthday
D. 1 CV Point: On every Fuel, Insurance, Utility, Rent & Wallet Load spend

Bonus CV Points:
• Get up to 6000 bonus CV Points on crossing monthly spend milestones in the first 3 months
A. Earn up to 6000 CV points by spending minimum Rs.30,000/- every month for 3 applicable billing cycles

Spend Milestone Benefits:
• Unlock up to 5 Premium Economy Ticket Vouchers every anniversary year

Airport Lounge Access:
• Enjoy 8 complimentary visits to domestic airport lounges and spas along with 4 complimentary visits to international airport lounges yearly
A.  2 complimentary visits to domestic airport lounges and spas per quarter
B. 1 complimentary visit to international airport lounge per quarter

* Competitive forex mark-up of just 2.99% on international transactions

* Fuel Surcharge of 1%

• Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
• 4 complimentary railway lounge access per quarter
• 25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
• Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
• Complimentary Roadside Assistance worth Rs. 1,399
• Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

• Guaranteed year-long discounts on featured partners such as the following:

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

• 1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
• Access to additional 300+ merchant offers on all your fav categories, all year round
• Pay your statement in full or EMIfy your eligible balance
• You can convert your eligible balance into easy & convenient EMIs
• Make sure to pay any outstanding balance post EMI conversion by your payment due date
• Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
• Year- long instant discounts starting from 10% off on our Feature Partners
• FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP

Pros

* Enjoy 12 complimentary golf lessons and 4 complimentary rounds of golf every year, and  50% Off on the green fee beyond complimentary sessions
* Get trip cancellation cover up to Rs. 10,000 on flight and hotel booking (2 claims annually)
* Air Accident Cover of Rs. 1 crore, Personal Accident Cover of Rs 10,00,000 and Lost Card Liability Cover of Rs. 50,000, and Additional Coverage for loss of checked-in baggage, delay of checked-in baggage, loss of passport & other documents, and flight delay of USD 1200

Cons
* For some individuals, the membership fees might seem high
* The reward redemption charge is Rs. 99

Pros

• Numerous welcome benefits
• Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
• Affordable joining/annual fee

Cons

• While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
• Make sure to pay any outstanding balance post EMI conversion by your payment due date
• No golf benefits