RBL Bank vCard vs IDFC FIRST Classic Credit Card

* Make merchant payments and manage the Credit Card through vCard Mobile App, which has the following benefits: Make merchant payments while you’re on the go and gain rewards for all your spends
* Instantly, transfer funds in your own account via vCard App
* From the vCard App, conveniently convert card spends into EMIs
* Avail 1 Reward point on every Rs. 100 spent and redeem the points for products you desire at www.rblrewards.com
* Once a month for Wednesday shows, avail 1+1 free movie ticket, up to Rs. 200, on BookMyShow
* Earn 10% value back on spends at Pizza Hut online & Domino’s online on Wednesday only
* Earn 5% value back on groceries spends, applicable only on Wednesday
* Maximum 1,000 bonus Reward Points each for Groceries and Pizza spendings in a billing cycle
* Milestone Benefit: Earn 4,000 bonus reward points on crossing spends of Rs. 1.2 lakh in a year. The reward points are redeemable for vouchers worth Rs. 1,000
* Avail fuel surcharge waiver of Rs. 100 per month for fuel transactions between Rs. 500 - Rs. 4,000

• Obtain a Gift Voucher of Rs. 500 on spending Rs. 15,000 within 90 days from card issuance
• 5% Cashback on first EMI transaction done within 90 days from card set-up
• 10X Reward Points on all transactions above Rs. 20,000
• 6X Reward Points on Online Spends
• 3X Reward Points on all Offline Spends
• Avail 25% Discount on Movie Tickets with a Maximum of Rs. 100
• 4 complimentary Railway lounge visits every quarter
• Personal Accident Cover worth Rs. 2 Lakh & complimentary lost card liability cover of Rs. 25,000
• Fuel surcharge waiver
• 15% discount at 3,000+ Health and Wellness outlets

Pros
* Make merchant payments while you’re on the go and avail rewards points for all your spends
* 10% value back on spends at Pizza Hut online & Domino’s
* 1+1 free movie ticket

Cons
* No golf privileges
* No airmiles
* No airport lounges benefits

Pros

• 10X Rewards on all spends done on your Birthday
• Reward points will never expire
• Free Road Side Assistance(RSA) worth Rs. 1,399

Cons

• No milestone benefits
• Airport Lounge access limited, depends on the bank’s current offers
• Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers