IDFC FIRST Wealth Credit Card vs BOB Financial Select

• 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
• Avail 10X Reward Points on all transactions above Rs. 20,000
• Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
• 4 Complimentary Domestic and International Airport lounge and spa visits every calendar quarter
• 4 complimentary Railway Lounge visits every calendar quarter
• Low foreign exchange mark-up fee of 1.5%
• 20% discount on 1500+ Restaurants
• 15% discount on 3000+ Health & Wellness Outlets
• Free Road Side Assistance(RSA) worth Rs. 1,399

• 5X rewards on Dining, Utility bills, Online spends; 1x on others
• 1,000 bonus rewards points every month
• Zero Fuel Surcharge
• Zero Annual Fees basis card usage 

Pros

• Lifetime free credit card
• Complimentary Airport and Railway lounge access
• Multi-faceted discounts are offered on movie tickets, travel, spas, wellness centers, etc.

Cons

• No milestone benefits
• 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

Pros

• Easy EMI Option
• Multiple redemption options
• In-built insurance cover

Cons

• No Golf Privileges 
• No Airport Lounge access