IDFC FIRST Wealth Credit Card VS AU CA Metal Credit Card VS BoM Secured Credit Card VS Canara Bank RuPay Platinum Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IDFC FIRST Wealth Credit Card
AU CA Metal Credit Card
BoM Secured Credit Card
Canara Bank RuPay Platinum Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime-free credit card with no joining or annual membership charges forever.
Extremely low foreign currency markup of 1.5% for international transactions.
Interest-free cash withdrawals for up to 45 days providing excellent liquidity.
Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.
Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.
Pros
Key benefits and features.
It is a premium metal credit card with no joining or annual fees, making it lifetime free.
Enjoy a substantial 25% discount on ICAI membership renewal fee, offering significant savings.
Accelerated reward points on dining, travel, tax payments, and software purchases, plus other spends.
Features a low foreign currency markup of 1.99%, making it favorable for international transactions.
Robust insurance benefits including air accident cover, credit shield, and purchase protection.
Pros
Key benefits and features.
Excellent for building credit history without needing income proof.
Enjoy a lifetime free card with instant approval and no joining or renewal fees.
Benefit from domestic airport lounge access twice per quarter and fuel surcharge waiver.
Earn reward points on all your spends while continuing to earn interest on your FD.
Offers free add-on cards and an interest-free credit period for financial flexibility.
Pros
Key benefits and features.
Enjoy zero joining and annual fees, making the Canara Rupay Platinum card highly accessible.
Benefit from comprehensive insurance covers including accident, baggage, and purchase protection.
Earn 2 reward points on every ₹100 spent on PoS and e-commerce transactions.
Receive complimentary domestic airport lounge access, enhancing your travel experience.
Avail an extended interest-free credit period of up to 50 days on your purchases.
Cons
Key drawbacks and limitations.
Low monetary value for reward points fixed at a base rate of ₹0.25 per point.
Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.
High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.
Cons
Key drawbacks and limitations.
The card does not provide access to international airport lounges, despite low forex markup.
Reward earnings are capped at 100 points for utility/telecom and 5,000 points for key categories.
High interest rates of 3.75% per month (45% per annum) apply to outstanding balances.
Cons
Key drawbacks and limitations.
Mandatory requirement of a fixed deposit with Bank of Maharashtra for eligibility.
EMI conversion facility is explicitly not allowed for gold and jewellery purchases.
Lounge access is limited to domestic airports only, with just two visits per quarter.
Cons
Key drawbacks and limitations.
The Canara Rupay Platinum card does not offer any international airport lounge access.
A relatively high 3% foreign currency markup applies to all international transactions.
An inactivity fee of ₹200 is charged if annual card turnover is below ₹50,000.
Lacks premium benefits such as complimentary golf rounds or specific movie/dining offers.
Cash advance charges are high at 3% of the transaction amount, with a minimum of ₹150.