IndiGo IDFC FIRST Dual Credit Card vs RBL Bank Classic Platinum Credit Card

Option 1 (With Fees): 

• Joining fee: Rs.: 4,999 + GST
• Welcome Benefits of 8,000 BluChips

- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment

- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days

• Complimentary 3 Month EazyDiner Membership

• Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of 2 Card Networks: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Avail reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem Your BluChips: Use the BluChips for IndiGo Flights

Option 2 (With FD):

• Free for the first year with min Rs. 1 Lakh FD
• Welcome Benefits include getting 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days, and Complimentary 3 Month EazyDiner Membership
• Assured approval - Fixed deposit backed card and no credit history needed
• Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier)

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of Dual Cards: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Get reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem your Indigo Bluechips: Use the IndiGo BluChips for IndiGo Flights

Mastercard World Privileges:

• Seamless online & POS transactions globally
• Exclusive travel and dining benefits
• 4 complimentary golf rounds and 12 complimentary golf lessons every year

RuPay Privileges:

• Seamless online, POS & UPI QR transactions in India
• Scan and pay at 60Mn+ merchants
• Enjoy exclusive discounts on the RuPay network

* Joining Fee and Annual Fee will be communicated at the time of sourcing

* Avail 2 reward points for every Rs. 100 spent in India

* Avail 4 reward points for every Rs. 100 spent Internationally

* With the earned points you can redeem then for: Flight tickets & Hotel stays, Latest gadgets and shopping products, Mobile Recharge, Retail shopping vouchers, and Curated personalized gifts

* The card is equipped with a PIN-based-EMV chip

* With the Flexi Limit facility, one can stay in control of its finances. Simply regulate the credit limit on the card and on the add-on card by calling the 24X7 customer service and assigning a lower limit. Assign varied limit on the primary and add on credit card

* Global Acceptance

* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign

* Zero Fraud Liability: If the Card gets lost or stolen, inform the bank

* Avail up to 5 add-on cards

Pros

• IndiGo loyalists can take great advantage of this card as they can earn BluChips for spending through the airline’s website and app
• 4 complimentary golf rounds and 12 complimentary golf lessons every year
• Enjoy exclusive discounts on the RuPay network

Cons

• No complimentary airport lounge access although being a travel card
• No lifestyle benefits on non-travel spending categories
• No complimentary BluChip is offered along with the card

Pros
* Avail 2 reward points for every Rs. 100 spent in India
* Avail 4 reward points for every Rs. 100 spent Internationally
* With the Flexi Limit facility, one can stay in control of its finances. Simply regulate the credit limit on the card and on the add-on card by calling the 24X7 customer service and assigning a lower limit. Assign varied limit on the primary and add on credit card

Cons
* No golf benefits
* No airmiles
* No airport lounge access