Spar SBI Card SELECT vs IDFC FIRST Classic Credit Card

Spar SBI Card SELECT

IDFC FIRST Classic Credit Card

Joining Fees

₹1,499

₹0

Editor's Rating

2.5

3.3

Key Features

On overall annual retail spends of Rs 300,000, avail 12,000 bonus Reward Points
On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points
On annual spends of Rs 75,000 across all Landmark Stores, earn 8,000 bonus Reward Points
With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home

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

Editor's Review

Pros

Welcome benefit of receiving 6,000 bonus reward points equivalent to Rs. 1,500 on payment of Annual Fees
Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
Get 2 Reward point per Rs. 100 spent on other retail purchases (Non-fuel)

Cons

No Golf/coaching sessions
Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits

Pros

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