My Business Credit Card – Axis Bank vs IDFC FIRST Select Credit Card

My Business Credit Card – Axis Bank

IDFC FIRST Select Credit Card

Joining Fees

₹999

₹0

Editor's Rating

4.3

2.75

Key Features

On any transaction over RS. 2,500, convert purchases to EMI
Use My Business Credit card to withdraw cash unto 30% of your credit limit from over 1 million Visa ATMs
Initiate a simple Standing Instruction on your credit card to ensure utility bills are paid on time every month
Avail two Complimentary Airport Lounge visit within India every quarter

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
10X Reward Points on purchases greater than Rs.20,000
6X Reward Points on all online purchases and 3X Reward Points on all offline purchases
4 complimentary domestic lounge access per quarter
4 complimentary Railway lounge access every quarter
Low foreign exchange mark-up fee of 1.99%
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

1% fuel surcharge waiver on all fuel transactions in India
Low joining and renewable fees
Earn eEDGE REWARD points for transactions and 500+ rewards and offers to redeem points with every Rs. 200 spent on the credit card

Cons

Pros

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
The dining benefits provided by the card are satisfactory but not that great