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| Feature | IDFC FIRST Bank IDFC FIRST EA₹N Credit Card | Indian Overseas Bank IOB ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | Indian Overseas Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹499 + GST per year | Lifetime free |
| Annual fee waiver | At ₹1,00,000 annual spending | Not required |
| Base reward rate | 0.5% | 0% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Total statement cashback: ₹500/statement cycle | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 0% | 2.5% |
| Monthly income requirement | Fixed-deposit backed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit. | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. |
| Main trade-off | 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. | The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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