Standard Chartered Emirates World Credit Card vs IndiGo IDFC FIRST Dual Credit Card

• On Emirates transactions of Rs. 150 earn Six Skyward miles, and Three Skyward Miles on every Rs 150 spent on all other transactions.
• Get complimentary lounge access to 25+ domestic lounges through the Mastercard Lounge program and Two complementary accesses to Domestic and International Priority Pass lounges per month. Spend more than Rs 10,000 in a month and enjoy Two free accesses to Priority Pass lounges in the next month.
• Complimentary overseas air accident coverage of Rs. 1 Crore including insurance on the loss of baggage and flight delay
• Get access to three complimentary golf games a year, one free lesson a month and 50% discount on all games.
• Redeem Skywards miles on Emirates, Jet Airways, Qantas, Jetstar, easyJet, JetBlue, Alaska Airlines and more.

Option 1 (With Fees): 

• Joining fee: Rs.: 4,999 + GST
• Welcome Benefits of 8,000 BluChips

- 5000 IndiGo BluChips voucher + IndiGo meal voucher on joining fee payment

- 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days

• Complimentary 3 Month EazyDiner Membership

• Milestone Benefits: Vouchers of up to 25,000 IndiGo BluChips, every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of 2 Card Networks: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Avail reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem Your BluChips: Use the BluChips for IndiGo Flights

Option 2 (With FD):

• Free for the first year with min Rs. 1 Lakh FD
• Welcome Benefits include getting 3000 IndiGo BluChips voucher on Rs. 1 Lakh spends within 90 days, and Complimentary 3 Month EazyDiner Membership
• Assured approval - Fixed deposit backed card and no credit history needed
• Milestone Benefits: Vouchers up to 25,000 IndiGo BluChips every year

-Get 5 vouchers of 5,000 BluChips each on crossing Rs. 2L, Rs. 5L, Rs. 8L, Rs. 10L, and Rs. 12L annually

• Annual Fee Rs. 4,999 +GST (2nd year onwards)
• Earn up to 22 IndiGo BluChips/Rs. 100 on IndiGo Web & App

• 6 on Card & Up to 16 from IndiGo (based on tier)

• Get 3/Rs. 100 on dining, entertainment & other spends

• 0.5/Rs. 100 on other UPI, rent, utility, fuel and wallet

• Power of Dual Cards: Enjoy convenience of UPI with the RuPay Card & International acceptance with Mastercard and benefits provided by both networks
• Annual Fee Payment Benefit: Get Voucher of 5000 IndiGo BluChips and a complimentary IndiGo meal voucher on payment of annual fees
• Free Trip Cancellation cover: Get reimbursed for non-refundable flight and hotel cancellations for up to Rs. 25,000 twice a year
• Forex MarkUp 1.49%: Enjoy low forex markup of 1.49% for international spends
• Redeem your Indigo Bluechips: Use the IndiGo BluChips for IndiGo Flights

Mastercard World Privileges:

• Seamless online & POS transactions globally
• Exclusive travel and dining benefits
• 4 complimentary golf rounds and 12 complimentary golf lessons every year

RuPay Privileges:

• Seamless online, POS & UPI QR transactions in India
• Scan and pay at 60Mn+ merchants
• Enjoy exclusive discounts on the RuPay network

Pros

• Earn miles on every transaction
• Airport Lounge access
• Cashback on Duty-Free purchases

Cons

• Interest rate is high
• Annual fee/renewal fee is high

Pros

• IndiGo loyalists can take great advantage of this card as they can earn BluChips for spending through the airline’s website and app
• 4 complimentary golf rounds and 12 complimentary golf lessons every year
• Enjoy exclusive discounts on the RuPay network

Cons

• No complimentary airport lounge access although being a travel card
• No lifestyle benefits on non-travel spending categories
• No complimentary BluChip is offered along with the card