Metro Kotak Bank Credit Card vs IDFC First Power Plus Credit Card

• Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
• Cashback Structure is as follows:

a. Monthly Minimum spend slabs

b. Rs. 10,001 to Rs. 30,000 Spends - 0.25% Cashback

c. Rs. 30,001 to Rs. 5 Lakh - 0.50 % Cashback

d. > Above Rs. 5 Lakh - 1% Cashback

• Credit Free Period of 48 Days
• Rupay Contactless provides a quick, safe, and secure way to pay. Just tap the Metro Kotak Bank Credit Card and pay for transactions up to Rs. 5000 without a PIN

• Up to 6.5% savings on fuel expenses
• Enjoy 5% savings as Rewards on Grocery and Utility expenses
• Enjoy 5% savings as Rewards on IDFC FIRST FASTag recharge
• Avail 3X Rewards on other retail transactions
• Complimentary Domestic Airport Lounge access, once every quarter, on minimum monthly spends of Rs. 20,000
• Complimentary Roadside Assistance worth Rs. 1,399
• Get 25% off on movie tickets, up to Rs. 100, once every month
• Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
• EMIfy your purchases and balances and enjoy convenience of payment
• Extend Add-on card to your co-passenger and boost your savings without any extra charges
• Refer your friends and earn up to 10,000 Rewards (2,000 Rewards for every card set-up)
• You can also earn rewards on your UPI Spends

Pros

• Save up to 1% on Metro Spends, which is capped at Rs. 10,000 per statement cycle
• Activation benefit of up to Rs. 500 cashback on the first swipe
• For spends done between Rs. 10,001 to Rs. 30,000 get 0.25% Cashback and for spends Rs. 30,001 to Rs. 5 Lakh get 0.50 % Cashback

Cons

• No International or Domestic Airport Lounge access
• No golf or fuel benefits
• No rewards or other travel related benefits

Pros

• With this credit card, you get rewards on UPI transactions also
• The joining fee is affordable
• Up to 6.5% savings on fuel expenses

Cons

• No Golf benefits
• No fuel benefits
• No complimentary international airport lounge access