IDFC First Power Credit Card vs Kotak Biz Credit Card
Joining Fees
₹199
₹299
Editor's Rating
3
3.5
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)
- Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
- Avail 1 reward points for every Rs. 100 on all other spends
- 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
- Get 1% on transaction fuel surcharge will be waived for transactions made between Rs. 500 - Rs. 3000
- One can also save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
- Travel Insurance programme includes the following:
A. Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)- Sum Insured is Rs. 50,000
B. Purchase Protection - Sum Insured is Rs. 25,000
C. Loss of Checked in Baggage / Delay of Checked in Baggage / Valuable Documents Cover / Missing of Connecting International Flight During Transit - Sum Insured is Rs. 10,000
- Safety features of the card includes being embedded with EMV Chip and setting a 6-digit PIN authentication for higher security of your transactions
- Interest free period: Up to 48 days
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
- Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
- Avail 1 reward points for every Rs. 100 on all other spends
- 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports
Cons
- No dinning or movie benefits
- No Golf Benefits
- No cashback benefits
