IndusInd Bank PAYBACK Credit Card vs IDFC FIRST Wealth Credit Card
Joining Fees
₹249
₹0
Editor's Rating
3.7
3.25
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
- Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
- 5% cashback on making the first EMI transaction made within 90 days of card set-up
- Avail 10X Reward Points on all transactions above Rs. 20,000
- Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
- 4 Complimentary Domestic and International Airport lounge and spa visits every calendar quarter
- 4 complimentary Railway Lounge visits every calendar quarter
- Low foreign exchange mark-up fee of 1.5%
- 20% discount on 1500+ Restaurants
- 15% discount on 3000+ Health & Wellness Outlets
- Free Road Side Assistance(RSA) worth Rs. 1,399
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
- Lifetime free credit card
- Complimentary Airport and Railway lounge access
- Multi-faceted discounts are offered on movie tickets, travel, spas, wellness centers, etc.
Cons
- No milestone benefits
- Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
- Interest-free cash withdrawal available for 48 days only
