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AU Nomo Credit Card VS IDFC FIRST EARN Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

AU Nomo Credit Card
AU Nomo Credit Card
IDFC FIRST EARN Credit Card
IDFC FIRST EARN Credit Card

Fees & Charges

Joining Fee
₹199 + GST
₹499 + GST
Renewal Fee
Nil
₹499 + GST
Spend Based Waiver
Not Applicable
Annual fee of ₹499 is waived on annual spends of ₹1,00,000 or more in the previous year.
Foreign Transaction Fees
Low 0.99% markup on all international foreign currency transactions.
3.5% markup fee applicable on all international transactions.
Interest Rate (APR)
3.59% per month, equating to 43.08% annually, on outstanding balances.
Variable interest rates ranging from 8.5% up to 47.88% per annum based on eligibility.

Rewards & Benefits

Welcome Bonus
Earn 500 Reward Points on your first transaction within 30 days, valued at ₹125.
10% cashback on first spend (up to ₹250) and 100% UPI cashback (up to ₹500) within 15 days.
Rewards Rate
Earn 2 RP for ₹100 on retail, 1 RP for ₹100 on utility & insurance transactions.
1% cashback on UPI via IDFC app; 0.5% on other UPI, online spends, and utility payments.
Reward Type
Reward Points
Cashback
Reward Redemption Fee
₹99 + GST applies for redeeming reward points.
Not Applicable

Travel & Lifestyle

Domestic Lounge Access
2 complimentary visits to Domestic Airport Lounges per quarter on ₹20,000 spends.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Includes 2 complimentary domestic airport lounge visits & 2 railway lounge visits per quarter.
Bonus 8% cashback on hotels and 4% on flights via the FIRST Rewards Gallery or travel portal.
Movie Benefits
Not Applicable
25% discount up to ₹100 on movie ticket bookings via the District app once every month.
Dining Benefits
Not Applicable
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions (₹400-₹5,000), max waiver of ₹100 per cycle.
Not Applicable

Security & Other

Insurance Benefits
Card Liability Cover for fraudulent, counterfeit/skimming, and online transactions.
Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000.
Cash Advance Charges
2.5% of withdrawal amount or ₹500, whichever is higher, for cash advances.
Monthly interest rates for cash advances range from 0.75% to 3.65%.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Nomo Credit Card

IDFC FIRST EARN Credit Card

Who is it for?

The AU Nomo Credit Card is a secured card, issued against a fixed deposit, ideal for building credit. It offers competitive reward points on retail, utility, and insurance spends. Featuring a low 0.99% forex markup and complimentary lounge access, it's effectively lifetime free from the second year, combining rewards with credit growth.

Who is it for?

The First Ea₹n Virtual RuPay Credit Card is a secured, FD-backed card by IDFC FIRST Bank designed for building credit history. It offers 1% cashback on UPI transactions via the bank app and attractive travel rewards, making it perfect for students and first-time earners.

Pros

Key benefits and features.

Benefit from a competitive low foreign currency markup charge of just 0.99% on international transactions.

Rewards are earned on both insurance and utility spends, enhancing value across essential services.

Reasonable spend-based criteria for domestic airport lounge access allows for convenient travel perks.

Effectively lifetime free from the second year onwards, reducing long-term ownership costs significantly.

Pros

Key benefits and features.

Guaranteed approval with a low fixed deposit of ₹5,000 makes it accessible for everyone.

Earn competitive interest on your linked fixed deposit while enjoying credit card benefits.

Highly rewarding for UPI users with up to 1% cashback on transactions via the IDFC bank app.

Complimentary insurance covers and roadside assistance add significant value for the user.

Cons

Key drawbacks and limitations.

May lack extensive features compared to premium, unsecured cards, as it's primarily for credit building.

Does not offer specific dining or movie benefits, which could be a drawback for some users.

Requires a minimum fixed deposit of ₹20,000, blocking initial capital for card issuance.

Cons

Key drawbacks and limitations.

Monthly cashback is limited to a cap of ₹500, which may restrict heavy spenders' benefits.

The absence of a fuel surcharge waiver makes it less attractive for frequent vehicle users.

Users must pay a fee of ₹199 if they require a physical version of this virtual credit card.

Reward rate is halved to 0.5% when using third-party UPI apps instead of the IDFC mobile app.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.