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| Feature | Indian Overseas Bank IOB ZET Credit Card | IDFC FIRST Bank IDFC FIRST EA₹N Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Indian Overseas Bank | IDFC FIRST Bank |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | ₹499 + GST per year |
| Annual fee waiver | Not required | At ₹1,00,000 annual spending |
| Base reward rate | 0% | 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 | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 2.5% | 0% |
| Monthly income requirement | Fixed-deposit backed | Fixed-deposit backed |
| Terms verified | 24 Sept 2026 | 24 Sept 2026 |
| Best suited to | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. | First-card users who prefer IDFC FIRST Bank and want UPI plus a modest movie benefit. |
| Main trade-off | 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. | 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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