IndusInd Bank PAYBACK Credit Card vs IDFC FIRST Classic Credit Card
Joining Fees
₹249
₹0
Editor's Rating
3.7
3.3
Key Features
- Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
- 1% fuel surcharge across all petrol pumps in India
- Auto assist
- Complimentary personal air accident insurance cover of up to Rs 25 lakh
- Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card
- 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
- Avail exciting rewards on dining, shopping, entertainment and more:
- Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
- Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
- Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
- While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent
- Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
- Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year
Cons
- No Airport Lounge Access
- No Golf Privileges
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
