IDFC First WOW! Credit Card vs Airtel Axis Credit Card

• Lifetime free credit card - No joining fee/annual fee
• Get up to 4x Reward Points on every transaction
• Unlimited never expiring reward points as good as cash
• Insurance premium payments and Utility bill payments will earn 1X reward points
• Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
• Zero interest charges on ATM cash withdrawals for up to 45 days 
• Zero Currency Exchange Hassles
• Avail up to Rs. 25,000 card liability cover, Rs. 2 lakh personal accident insurance, and Rs. 25,000 purchase protection
• Complimentary Roadside Assistance, Personal Accident Cover, and Feul Surcharge Waiver
• 1% Fuel Surcharge Waiver
• Withdraw cash up to 100% of FD value
• Instantly Increase the Credit Limit- Instantly enhance it by securing an additional Fixed Deposit, starting from Rs. 5,000
• Earn 4X Reward Points on every travel spend
• Up to 3X reward points on all UPI spends
• Credit limit minimum 100% of the FD Value
• No credit history required
• No income proof required
• Instant Card Issuance
• Discover discounts across 1500+ resturants and retailers
• Get discount across 300+ merchants and 1500+ resturants
• Credit shield protection against theft and fraud
• Access to exclusive VISA offers across the globe

• Get annual fee waived off on annual spends greater than Rs. 2,00,000
• As a Welcome Benefit, get an Amazon eVoucher worth Rs 500 on the first transaction using the Airtel Axis credit card within 30 days of card issuance
• Earn 25% Cashback on Airtel Mobile, Broadband, DTH and WiFi bill Payments via Airtel Thanks app
• Earn 10% Cashback on Utility Bill Payments such as electricity, gas etc. via Airtel Thanks app
• Earn 10% Cashback on Swiggy, Zomato and BigBasket 
• Get 1% Cashback on all other spends
• 4 Complimentary lounge visits within India (4 Lounge access in a year) on minimum spends of Rs. 50,000 in previous 3 months
• 1% fuel surcharge waiver on fuel purchases at all fuel stations across India. This is valid on transactions between Rs. 400 to Rs. 4000
• Enjoy up to 15% off at partnered restaurants via EazyDiner
• Convert transactions of Rs. 2500 or more into easy EMI
• On Wednesdays, receive the following offers:

A. Instant savings of up to 15% on flights and hotels via Goibibo and Makemytrip

B. 10% off on orders via Swiggy and Amazon Fresh

C. 10% off up to Rs. 1000 on Tira

Pros

• Lifetime free credit card
• Get a 100% credit limit against the amount of Fixed Deposit
• Get up to 4x Reward Points on every transaction

Cons

• No travel benefits
• No golf benefits
• No complimentary domestic or international airport lounge access

Pros

• Earn 25% Cashback on Airtel Mobile, Broadband, DTH and WiFi bill Payments via Airtel Thanks app
• Earn 10% Cashback on Utility Bill Payments via Airtel Thanks app
• Earn 10% Cashback on Swiggy, Zomato and BigBasket

Cons

• No golf benefits
• No international airport lounge access / movie benefits