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Tata Croma Titanium Card vs IDFC FIRST Classic Credit Card

Joining Fees

₹499

₹0

Editor's Rating

3.8

3.3

Key Features

  • 500 Empower points on spends of Rs. 2,000 in the first 60 days
  • 1.5% Value back on spends @ Croma & cromaretail.com
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery stores 
  • 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 Benefits 
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery stores

Cons

  • High-interest rate
  • No Airport Lounge access 
  • No Golf games

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


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