IndusInd Platinum RuPay Credit Card vs IDFC FIRST Wealth Credit Card

Joining Fees

₹0

₹0

Editor's Rating

4.5

3.25

Key Features

  • UPI is enabled on this Credit Card
  • 1% Fuel Surcharge Waiver
  • Avail 2 Reward Points on every Rs. 100 transaction done via UPI
  • Avail 1 Reward Point for every Rs. 100 on non UPI transactions
  • Avail Rs. 0.70 for every Rs. 100 on selected merchant categories. This is applicable for UPI and Non-UPI transactions
  • IndusInd Bank in association with The Oriental Insurance Company Ltd, bring you insurance coverage that includes lost baggage, delayed baggage, loss of passport, lost ticket, and missed connection
  • Enjoy the facility of Total Protect that covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud
  • Complimentary personal air accident insurance cover of up to Rs. 25 lakh
  • 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 2 Reward Points on every Rs. 100 transaction done via UPI
  • Avail 1 Reward Point for every Rs. 100 on non UPI transactions
  • Total Protect covers the cardholder for a sum up to the credit limit on its credit card. Completely be worry-free about any fraudulent transactions performed using your card as it protects from unauthorized transactions in case of loss/theft of card and Counterfeit fraud

Cons

  • No golf benefits
  • No airport lounge access / dining/ movie benefits

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


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