Citi Cash Back Credit Card

Joining Fee: Nil
Renewal Fee: Nil
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

Apply Now

Add to Compare

The IDFC FIRST Bank forayed into the credit card business with the launch of a line-up of four exclusive credit cards – IDFC FIRST Millennia, FIRST Select, FIRST Classic, and FIRST Wealth credit cards. The IDFC FIRST Wealth credit card is the top-end offering by the bank. Despite its premium features, like the other three cards in the line-up, the Wealth Credit Card also comes with a zero annual membership fee. The card also has a low-interest rate (0.75% – 3.5%) and a meager forex markup fee of just 1.5% of the transacted amount. As it is a premium offering of the bank, you also get benefits like complimentary rounds of golf, complimentary international as well as domestic lounge visits, and multiple insurance covers, including an air accident insurance cover worth Rs. 1 crore. Not just this, but you can also avail of up to 2 free movie tickets each month and make your movie experiences even more rewarding with this card. Read on to learn more about the IDFC FIRST Wealth Credit Card.

New Features

Spend Based Waiver

Nil

Interest Rates

0.75% to 3.5% per month depending upon the credit history of the card member.

Add-on Card Fee

Nil

Rewards Redemption Fee

Rs. 99 plus taxes

Fuel Surcharge

A 1% fuel surcharge is waived at all authorized fuel stations (max waived amount capped at Rs. 400/month).

Foreign Currency Markup

1.5% + GST

Cash Advance Charges

Rs. 199 per transaction

Movie & Dining

Buy One Get One offer on movie tickets up to Rs. 500 on the Paytm app, twice every month and up to 20% discount on over 1,500 restaurants.

Travel

You get 4 complimentary international as well as domestic lounge access and spa visits every year.

International Lounge Access

Up to 4 complimentary international lounge visits per quarter.

Rewards Rate

3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.

Golf

Complimentary golf rounds each month for every Rs. 20,000 spent in the previous month (max 2 golf rounds in a month).

Insurance Benefits

Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000

Reward Redemption

Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25. You have to pay a convenience fee of Rs. 99 plus taxes for reward redemption.

Domestic Lounge Access

Up to 4 free visits to domestic airport lounges per quarter.

Zero Liability Protection

Bank not liable for any unauthorized transaction prior to the time of reporting the loss of card. However, you do get a lost card liability cover worth Rs. 50,000.

Pros

One of the biggest pros of the IDFC FIRST Wealth Credit Card is that it is a lifetime-free card without any annual charges or fees. Complimentary welcome vouchers worth Rs. 500.

Cons

The reward rate for this premium card is poor, with one reward point equaling Re. 1

Similar Cards

Add to Compare

Axis Bank Pride Signature Credit Card

Axis Bank offers two credit cards exclusively for Indian defence personnel- Pride Signature Credit Card and Pride Platinum Credit Card. The cards come with a patriotic color theme with shades of Indian Tricolor and a fourth dedicated embossing line. Although, both the credit cards are entry-level cards, the Pride Signature card is the more premium of the two offerings. Pride Signature Credit Card earns you EDGE REWARD Points which are redeemable for a variety of options on Axis Bank’s EDGE REWARDS Catalogue. You get 2 EDGE REWARD Points for every Rs. 200 spent with the card. Apart from EDGE REWARDS, you also get travel and dining benefits with Axis Bank Pride Signature Credit Card. The card offers 2 complimentary domestic lounge access at select airports in India and a discount of a minimum of 15% on dining bills at partner restaurants. Read on to learn more about this exclusive offering by Axis Bank.

Add to Compare

HSBC Smart Value Credit Card

The HSBC Smart Value Credit Card is among the most popular lifetime free credit cards in the Indian market. It comes with a zero annual & joining fee and provides its customers with several exciting welcome benefits, including complimentary airport lounge access, an Amazon gift voucher worth Rs. 500, up to Rs. 100 cashback on Google Pay, and up to Rs. 1,000 cashback on retail transactions within the first 60 days. Talking about its reward program, it earns you up to 3 Reward Points on every spend of Rs. 100. These reward points can be redeemed against an array of options available at the HSBC Rewards catalogue. However, you don’t get many premium benefits with this card, but it can still be considered a great option for people who are new to the world of credit cards. Another great thing about this credit card is that it comes with a dynamic interest rate which can be 1.99% per month to 3.49% per month depending on the credit history of different individuals. You might get a lower interest rate if you have a very good credit profile and higher if your credit score is low. To understand the detailed features & benefits of the HSBC Smart Value card, and its fees & charges, go through the complete article:

Add to Compare

Bank of Baroda Swavlamban Credit Card

The Bank of Baroda Swavlamban Credit Card is an entry-level card offered by the bank. It comes with an annual fee of Rs. 250, which you can easily get waived off by using your credit card regularly and achieving the required annual spend. A very special thing about this credit card is that cardholders can use up to 105% of their credit limit without any over-limit charges. Generally, all credit cards charge an over-limit fee even if you spend a single penny above your credit limit, but this is not the case with this card. Talking about its reward rate and other benefits, it offers a decent reward rate of 1% across all the categories and the cardholders can redeem their earned rewards against their card’s outstanding balance. Other features of the card include insurance against accidental death, fuel surcharge waiver, zero liability protection, etc. For detailed information about the BoB Swavlamban Credit Card, its features, and fees & charges, keep reading:

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all