IDFC First Earn Credit Card vs Axis Bank Select Credit Card

• 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
• 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

• Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website. This is applicable once per month per user
• Flat Rs. 200 off on Swiggy mobile app/website. Valid twice a month on minimum transaction of Rs. 1000 per order
• 12 complimentary International Airport Lounge access via Priority Pass Membership
• 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months
• Do note that the Priority Pass will renew automatically when you have met Rs. 3 lakhs spends in preceding card anniversary year
• 6 complimentary golf rounds per year. Unlock 6 additional visits by spending Rs. 3 lakhs annually
• Annual benefits: Priority Pass Membership renewal on annual spend of 3 Lakh. Renewal of offers on BigBasket and Swiggy
• Get 5000 EDGE points on spending Rs. 3 Lakhs in a card anniversary year
• Complete annual fee waiver on spending Rs. 8 Lakhs in a card anniversary year
• Get 10 Axis EDGE points on every Rs. 200 spends
• Get 2X per  Rs. 200 on ‘Retail Shopping’ spends
• Avail 2X EDGE REWARD Points up to cumulative transactions of Rs. 20,000 per month. For transactions done above Rs. 20,000 per months earn 10 EDGE REWARD Points
• 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.
• Rs. 800 off and more via Axis Bank Dining Delight Program with EazyDiner
• 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

• Wednesday Delight Offer: Get up to 15% on flights and hotels via Goibibo and Makemytrip, 10% off on orders via Swiggy and Amazon Fresh, 10% off up to Rs. 1000 on Tira

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

Pros

• Flat Rs. 500 off per month on minimum purchase of Rs. 3000 on Bigbasket mobile app/website
• 12 complimentary International Airport Lounge access via Priority Pass Membership
• 2 complimentary domestic lounge visits per quarter on the spends of Rs. 50,000 in last 3 months

Cons

• High interest rate
• High joining/renewal fee