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| Feature | IDFC FIRST Bank IDFC FIRST Select Credit Card | IndusInd Bank IndusInd Bank Legend Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | IndusInd Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.4% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · Birthday-month rewards | 0.5% · Weekday rewards |
| International spending | 1.3% · Birthday-month rewards | 0.5% · Weekday rewards |
| Travel & hotels | 1.3% · Birthday-month rewards | 0.5% · Weekday rewards |
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 | 4 domestic airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 0% | 1.8% |
| Monthly income requirement | Approx. ₹1,00,000/month | Not listed |
| Terms verified | 13 Sept 2026 | 23 Sept 2026 |
| Best suited to | Fee-averse travellers who want dining/travel rewards and lounge access without paying for it. | Weekend spenders and moviegoers seeking a low-forex lifestyle card. |
| Main trade-off | Every reward redemption costs ₹99 plus GST, and international transactions stop earning points from 26 October 2026. | Complimentary domestic and international lounge visits were discontinued on 7 March 2025. Priority Pass membership remains, but every visit is chargeable; weekend earning is not automatically forecast without transaction dates. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
