IndianOil Citi Platinum Credit Card vs IDFC FIRST Classic Credit Card

Joining Fees

₹1,000

₹0

Editor's Rating

4

3.3

Key Features

  • 4 Turbo points / Rs. 150 spent & 1% fuel surcharge reversal on fuel purchase at authorized IndianOil outlets
  • 2 Turbo points / Rs. 150 spent on groceries and supermarkets & 1 Turbo point / Rs. 150 on all other spends
  • Get Deals and Discounts locally and in over 90 countries
  • Instant loans to get things done right away
  • Save up to 20% on dining bills at participating restaurants
  • The FIRST Classic Credit Card is now powered for UPI
  • Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
  • Up to 3X reward points on all UPI spends
  • 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
  • 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
  • Unlimited Reward points that don’t expire
  • Use the Reward points to instantly pay for online or in-store purchases
  • 1X Reward Points on Insurance premium payments and Utility bill payments
  • 1X = 1 Reward point per Rs. 150 spent
  • Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
  • 4 complimentary Railway lounge visits per quarter
  • Complimentary Roadside Assistance worth Rs. 1,399
  • Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
  • Enjoy 300+ Merchant offers all year long
  • Get up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
  • Convert all transactions above Rs. 2,500 into easy & convenient EMIs from the mobile app
  • Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
  • Enjoy convenient transfer of balances from the other bank credit cards with IDFC Bank's balance transfer privilege

Editor's Review

Pros

  • Choose to redeem points now or later – it's a choice you have because the Turbo points will never expire
  • Get 250 Turbo Points on your first spend within 30 days of card issuance
  • Redeem points instantly via SMS against purchases at leading brands

Cons

  • No complimentary Airport Lounge access
  • Fuel points are applicable only for Indian Oil fuel stations
  • No cash-back options

Pros

  • 10X Rewards on all spends done on your Birthday
  • Reward points will never expire
  • Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

  • No milestone benefits
  • Airport Lounge access limited, depends on the bank’s current offers
  • Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers


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