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| Feature | AU Small Finance Bank AU Bank Spont Credit Card | IDFC FIRST Bank IDFC FIRST EA₹N Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | IDFC FIRST Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹299 + GST per year | ₹499 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,00,000 annual spending |
| Base reward rate | 1% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | Total statement cashback: ₹500/statement cycle |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | UPI-first users who can spend ₹20,000 per quarter and value occasional airport lounge visits. | First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit. |
| Main trade-off | Airport lounge access needs ₹50,000 in the previous calendar quarter, not ₹20,000. UPI cashback applies to merchant payments; AU0101 COINS have no stable cash value and are not ranked. | The 1% rate requires the bank app, cashback is capped at ₹500 per statement cycle, and all cashback for a cycle is forfeited if the minimum amount due is not paid by the due date. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
