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
  • Obtain a Gift Voucher of Rs. 500 on spending Rs. 15,000 within 90 days from card issuance
  • 5% Cashback on first EMI transaction done within 90 days from card set-up
  • 10X Reward Points on all transactions above Rs. 20,000
  • 6X Reward Points on Online Spends
  • 3X Reward Points on all Offline Spends
  • Avail 25% Discount on Movie Tickets with a Maximum of Rs. 100
  • 4 complimentary Railway lounge visits every quarter
  • Personal Accident Cover worth Rs. 2 Lakh & complimentary lost card liability cover of Rs. 25,000
  • Fuel surcharge waiver
  • 15% discount at 3,000+ Health and Wellness outlets

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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