IDFC FIRST Classic Credit Card vs Axis Bank Select Credit Card

• Obtain a Gift Voucher of Rs. 500 on spending Rs. 15,000 within 90 days from card issuance
• 5% Cashback on first EMI transaction done within 90 days from card set-up
• 10X Reward Points on all transactions above Rs. 20,000
• 6X Reward Points on Online Spends
• 3X Reward Points on all Offline Spends
• Avail 25% Discount on Movie Tickets with a Maximum of Rs. 100
• 4 complimentary Railway lounge visits every quarter
• Personal Accident Cover worth Rs. 2 Lakh & complimentary lost card liability cover of Rs. 25,000
• Fuel surcharge waiver
• 15% discount at 3,000+ Health and Wellness outlets

• 24x7 dedicated concierge
• Explore curated experiences from across the world with Extraordinary Weekends
• 1% fuel surcharge refund on fuel transactions between Rs. 400 and Rs. 4000 only. Maximum benefits up to Rs. 400 per month
• 20% off at partnered restaurants in India
• Air Accident cover up to Rs. 2.5 Crore
• Purchase protection up to Rs. 1 Lakh
• Cumulative cover up to USD 500 for loss of travel documents, delay of check-in baggage, and loss of check-in baggage cover

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

Pros

• Amazon Voucher worth Rs 2000 on card activation
• 20% off up to Rs. 500 p.m. on Bigbasket
• 40% off up to a maximum of Rs. 200 on Swiggy

Cons            

• High-interest rate
• High Joining/Renewal Fee