Compare RBL Bank Freedom SuperCard vs IDFC FIRST Select Credit Card

* Convert your available cash limit into a Personal Loan for 3 months at no interest, once a year. A processing fee of 2.5% is applicable; min Rs. 500
* Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days. A processing fee of 2.5% is applicable; min Rs. 500
Please Note: W.e.f January 07, 2021, interest @1.16% per month would be applicable on Emergency Advance Facility on your SuperCard and no processing fee would be charged.

* Avail 2,000 Reward Points as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance. Theres no welcome rewards given to First Year Free cards
* Avail 100% of FD amount as credit limit on the card
* Avail 75% of the Credit Limit as Cash Limit on the card
* Earn 1 Reward Point for every Rs. 100 spent on all you like
* Earn 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet Load. The maximum Cap is 1,000 Reward Points
* Avail fuel surcharge waiver of up to Rs. 100 per month
* Get 1+1 Bookmyshow offer on movie tickets on any 1 Day of the month (up to Rs. 200)
* 4 complimentary visit in a year at domestic airport lounges
* Maximum 1 complimentary airport lounge access in a quarter
* Instantly receive cash and pay back in installments with Dial for Cash program. One can also avail a pre-approved loan without blocking the credit limit of its Card. Get advantage of multiple tenure options
* Avail Split n Pay program and convert purchases of Rs. 3,000 or above into EMIs. Have convenience of paying EMIs at low interest rates at a nominal processing fee
* Use the facility of Transfer n Pay program to transfer outstanding from other bank’s Credit Cards to Freedom SuperCard at lower interest rates and convert it into EMIs
* The Xpress Cash is a unique feature which enables you to get instant loan within your credit limit. Pay it back in easy installments and enjoy a host of benefits like document free process and paperless money transfer
* With Cash Advance program, one can satisfy its short-term cash requirements. Avail credit-free period of up to 50 days as an added benefit
* Contactless Transactions: Tap the card and instantly in a convenient way make payments at retail outlets.
* Purchase Limit: Using the tap & pay feature, make payments of up to Rs. 5000 at a time
* Global Acceptance
* Access the cash at any ATM in India or Overseas which displays MasterCard/Visa/Cirrus/Maestro sign
* The card is equipped with a PIN-based-EMV chip

2 complimentary visits to domestic airport lounges every quarter
Low forex markup fee at just 1.99%
Free trip cancellation cover up to Rs. 10,000- Get reimbursed up to Rs. 10,000 on non-refundable hotel and flight cancellations
Complimentary railway lounge visits- 4 complimentary visits to lounges at select Indian railway terminals
Buy-1-Get-1 movie ticket offers- Use the 'Buy One, Get One' discount, up to Rs. 125, on the District by Zomato mobile app (valid twice per month)
1% Fuel Surcharge Waiver up to Rs. 300 in a statement cycle at all fuel stations in India on transactions between Rs. 200 and Rs. 5,000
Over 300+ merchant offers- Enjoy 300+ brand offers across dining, shopping, travel and more, all year long
Air Accident Cover of Rs. 1 Crore
Personal Accident Cover of Rs. 5,00,000
Lost Card Liability Cover of Rs. 50,000
Comprehensive Travel Insurance Cover of USD 300
Complimentary Roadside Assistance worth Rs. 1,399- 24/7 roadside assistance during car or two-wheeler emergencies across India
VISA Offers are as follows:

a. Airport meet and greet discounts- Enjoy exclusive discounts on meet and greet services at 450+ airports worldwide

b. Airport transfer discounts- Exclusive discounts on limousine services in over 3000 cities across 83 countries

c. Travel concierge at your fingertips- Avail personalized assistance for all travel needs. This service provides a modern, personalized experience for self-booking dining, staycations, flights, and activities

MasterCard Offers is as follows: Complimentary golf rounds and lessons- 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe. Enjoy India Golf Program that includes 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month), and 12 complimentary golf lessons per calendar year (1 lesson per calendar month). Enjoy APAC Golf Program that offers 50% Off on Golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan
Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
Low interest rates (APR)- Starts at just 8.5% per annum
Interest-free cash withdrawals from ATMs for up to 45 days. One-time cash withdrawal fee of Rs. 199 + GST is applicable
Activate UPI at just Rs. 199- Joining and Annual fee (2nd year onwards) of just Rs. 199 + GST, Limited period offer get 100% cashback up to Rs. 200 i.e. Rs. 50 each on the first 4 UPI transactions, and Earn up to 3X reward points on your spends
Enjoy 10X Reward points on incremental spends above Rs. 20,000 per statement cycle and spends done on your birthday
Avail 3X Reward Points on spends till Rs. 20,000 in a statement cycle
Avail 1X Reward Points on Insurance premium payments and Utility bill payments
Convert all transactions above Rs. 2,500 into EMIs