Compare IDFC First Earn Credit Card vs HDFC Infinia 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

You will get Welcome Benefit of Complimentary Club Marriott membership for a year which provides up to 20% discounts for Dining and Stays across Asia – Pacific region
As a Welcome Benefit, receive 10,000 Reward Points upon fee realization
If you spend eight lakhs or more in the preceding 12 months, you’ll get renewal membership fee waived off for next year
Avail Renewal benefit of 10,000 Reward Points
Complimentary unlimited airport lounge access within and outside India using the Priority Pass. The same benefit is also available for the add on priority pass holders. Through Priority Pass membership you may also use the refreshment and business centre facilities at the selected lounges
Avail 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs.400 and Rs.1,00,000
Enjoy lowest markup fee of 2% on all foreign currency transactions
Avail unlimited complimentary golf games at leading courses in India and selected courses across the globe. Also, you’ll have unlimited complimentary Golf coaching at selected golf courses within India
Enjoy the Good Food Trail dining program at some of the premium restaurants across top cities
Earn 5 Reward Points on Rs. 150 on retail spends including Insurance, Utilities, Education, and Rent pay
Gut 10X Reward Points on travel and shopping spends on HDFC SmartBuy
Earn 2X Rewards Points on dining spends
Infinia Credit Card provides Credit Shield Cover for up to 9 lakhs

Rewards Rate:

Default Reward Rate is 3.3%
Avail Accelerated Reward Rate of 6.6% (2X on Dining/ airvistara / hdfcbankinfinia)
Get Accelerated Reward Rate: 33% (10X with limited partners)

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

This credit card is suitable for those who’re frequent travelers
Get Accidental Air Death cover worth Rs. 3 Crore
If there’s an emergency overseas while, get emergency overseas hospitalization insurance up to Rs. 50 lakhs

Cons