IDFC FIRST Select Credit Card vs Citi PremierMiles Card

• Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
• 5% cashback on making the first EMI transaction made within 90 days of card set-up
• 10X Reward Points on purchases greater than Rs.20,000
• 6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
• 4 complimentary domestic lounge access per quarter
• 4 complimentary Railway lounge access every quarter
• Low foreign exchange mark-up fee of 1.99%
• 20% discount on 1500+ Restaurants
• 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399

• On the yearly card renewal period, get 3000 Bonus Miles
• Earn 8 miles for every Rs.100 on spends at Amazon India, Flipkart, Myntra
• Earn 4 Miles for every Rs.100 spent on all other transactions (Offer Validity: 15 Feb’21-15 Aug’21)
• Redeem miles over more than 100 domestic and international airlines
• Transfer your miles to any of the card’s hotel & airline partner
• Miles never expires so you can use them whenever you desire
• Redeem Miles instantly via SMS against purchases at leading brands
• Turn big purchases into small payments  
• Complimentary Access to Airport Lounges in India
• Instant loans availed
• Get amazing deals and discounts locally & in other 90 countries
• As you earn more miles, redeem easily at www.premiermiles.co.in
• You can either redeem the miles now or keep collecting them
• Using Citi contactless card pay the easy way  
• Enjoy the Travel and Lifestyle Services by contacting the Travel and Lifestyle specialist to create and plan an enchanting experience
• Enjoy the latest offers on the credit card  
• Have instant savings on lifestyle and wellness categories  
• Join the millions of subscribers with a unique analysis of the issues behind the headlines
• Personal Air Accident Insurance cover of Rs 1 crore
• Lost Card Liability Cover of Rs. 10 Lakh

Pros

• 10X Rewards on all spends done on your Birthday
• Reward points will never expire
• Comprehensive Travel Insurance Cover of Rs. 22,500
  
  Cons

• Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
• Interest-free cash withdrawal available for 48 days only
• The dining benefits provided by the card are satisfactory but not that great

Pros

• The miles earned can be used or redeemed on Citi Bank's Partnered Airlines
• On every Rs.100 spent on airline transactions on www.premiermiles.co.in earn 10 miles
• Save up to 20% across all Citibank's partnered restaurants

Cons

• No Annual Fee Waiver
• High-interest rates