Compare IDFC FIRST Classic Credit Card vs Tata Neu Infinity HDFC Bank 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

In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
Reward points gained on Grocery transactions will be capped to 2,000 per month
Zero lost card liability
Foreign Currency Markup: 2% on all your foreign currency spends
Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

Pros

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

Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs. 9 lakhs
Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons