IDFC First Power Credit Card vs AU Bank LIT Credit Card

Joining Fees

₹199

₹0

Editor's Rating

3

2.75

Key Features

  • You’ll get rewarded for every UPI transaction
  • Up to 5% savings on fuel expenses
  • 2.5% savings as Rewards on Grocery and Utility expenses
  • 2.5% savings as Rewards on IDFC FIRST FASTag recharge
  • Avail 2X Rewards on other retail transactions
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • EMIfy purchases and balances and enjoy convenience of payment
  • Extend Add-on card to your pillion rider and 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

Editor's Review

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


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