RBL Bank Monthly Treats Credit Card vs IDFC FIRST Wealth Credit Card

* On crossing spends of Rs. 3,000 in a calendar year, monthly fee of Rs. 50 waived off and get 10% cashback, up to Rs. 100 per month, on grocery transactions for rest of the month
* Enjoy 2X Reward Points on online purchases
* Unlock 10% cashback on groceries, BookMyShow, Swiggy and Bill Payments every month
* Get 1 Reward Point for every Rs. 100 spent on all offline purchases except fuel
* Fuel surcharge waiver across all fuel stations. This is Valid for fuel transactions between Rs. 500 and Rs. 4,000. Maximum waiver of Rs. 100 per month

• 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

Pros
* Monthly Spend Milestone Benefit
* Fuel surcharge waiver
* Monthly fee waived

Cons
* One can’t enjoy the cashback if it’s unable to spend Rs.3000 to Rs.5000 in a month
* Below average rewards rate
* No travel benefits such as airport lounge access or any flight discounts

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