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| Feature | IDFC FIRST Bank IDFC FIRST Classic Credit Card | ICICI Bank ICICI Bank Platinum Chip Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | ICICI Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.4% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Approx. ₹25,000/month | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 13 Sept 2026 | 23 Sept 2026 |
| Best suited to | First-time credit card applicants seeking zero liability and non-expiring rewards. | First-time applicants prioritising lifetime-free pricing and a mainstream issuer. |
| Main trade-off | Fuel, EMI transactions and cash withdrawals do not earn reward points; international transactions stop earning from 26 October 2026 and each redemption attracts ₹99 plus GST. | The effective reward rate is modest, fuel earns no points, and the card has no airport-lounge or movie benefit. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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