Compare IDFC First Earn Credit Card vs Tata Neu Infinity HDFC Bank 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

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

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

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