IDFC First Power Credit Card vs AU Bank LIT Credit Card

* Welcome benefits worth Rs. 1,400
* Annual Fee will be waived off on spends of Rs. 50,000 or more in a year
* Save up to Rs. 7,000 annually with the credit card, enough to buy you 65+ litres of fuel
* You’ll get rewarded for every UPI transaction
* Enjoy low and dynamic Interest rates starting at 9% per annum
* Until due date, 0% Interest on ATM Cash Withdrawals
* Up to 5% savings on fuel expenses of up to Rs. 5,000 every month: 2.5% savings as Rewards on HPCL fuel and LPG &
 1.5% savings as Happy Coins through HP Pay App &
 1% savings as fuel surcharge waiver
* 2.5% savings as Rewards on Grocery and Utility expenses of up to Rs. 4,000 every month
* 2.5% savings as Rewards on IDFC FIRST FASTag recharge of up to Rs. 2,000 every month
* Avail 2X Rewards on other retail transactions
* Rs. 250 cashback on 1st HPCL fuel transaction of Rs. 250 or above
* 5% cashback (up to Rs. 1,000) on the transaction value of 1st EMI conversion
* On Swiggy, Rs. 150 Discount on order above Rs. 500
* On ZoomCar Rentals get Rs. 500 Discount
* EMIfy purchases and balances and enjoy convenience of payment
* Extend Add-on card to your pillion rider & boost savings without any extra charges
* Refer friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)

• Gain 10X or 5X reward points on all online domestic and international retail transactions
• Gain 10X or 5X reward points on all POS and contactless offline domestic and international transactions
• Avail 1 Reward Point per Rs. 100 spent on utility spends (Up to 100 reward points per transaction)
• Avail 1 Reward Point per Rs. 100 on other spends including insurance
• Cardholders will earn a maximum of 25,000 reward points in a statement cycle, excluding utility spends
• Avail 1% fuel surcharge waiver on fuel transactions between Rs. 400 to Rs. 5,000

• Milestone Cashback: Cardholders can earn up to 5% and 2% cashback on retail spending as per the following details:
  a. Gain 5% cashback 3 times over a 90-day period for retail spends in addition to 1 Reward Point per Rs. 100 spent
  b. Minimum retail spends of Rs. 7,500 and a maximum cashback of Rs. 500 over a period of 30 days
  c. Gain 2% cashback 3 times over a 90-day period, for retail spends in addition to 1 Reward Point per Rs. 100 spent
  d. Minimum retail spends of Rs. 10,000 & a maximum cashback of Rs. 1,000 over a period of 30 days
  
• Additional 5% cashback for grocery and apparel spends in addition to 1 Reward Point per Rs. 100 spent
  
• Maximum cashback of Rs. 1,000 per category over a period of 30 days
  
• Avail up to 4 complimentary domestic lounge visits per 90 days
  
• Avail 3 months membership of ZEE5 
  
• Avail 3 months membership of Amazon Prime
  
• Avail 3 months membership of Cult pass Live subscription for home live workouts
  
• Zero lost-card liability 
• Credit Shield can be availed up to Rs. 1.5 lakhs

Pros

* Discount up to 50% on Domestic and International Rental Cars with Eco Rent A Car and Europcar
* Complimentary Roadside Assistance worth Rs. 1,399
* Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000

Cons

* No airport lounge access
* No gold privileges

Pros

* Cardholders get the ability to customize features
* Avail 5% cashback on day-to-day categories
* Complimentary Amazon Prime, ZEE5 and Cult Fit memberships
* Accelerated rewards on online and offline spends

Cons

* No reward points on fuel and EMI spends
* The card has complicated feature-wise pricing structure