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| Feature | BOBCARD BOBCARD Cashback Credit Card | IDFC FIRST Bank IDFC FIRST EA₹N Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | BOBCARD | IDFC FIRST Bank |
| Network | Mastercard | RuPay |
| Annual fee | ₹499 + 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 | Incremental online cashback: ₹1,500/statement cycle | Total statement cashback: ₹500/statement cycle |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Approx. ₹25,000/month salaried · ₹30,000/month self-employed | Fixed-deposit backed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | Online shoppers who can meet the four-transaction condition and want automatic statement cashback. | First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit. |
| Main trade-off | The 5% online rate unlocks only after four eligible transactions in the statement cycle and excludes transactions below ₹100. This is a Mastercard, so it does not support RuPay credit-card UPI. | 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 ↗ |
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