Showing 2 cards
Best for: Youth, students, international travelers, first-time cardholders
FIRST WOW! Black
APPLY NOW
on IDFC First Bank's website
Annual fee
₹750
#158Rewards rate
₹0.67 - ₹7.00/₹100
#27Joining fee
₹750
#158Interest rate
42.00%
#108 Card details
Domestic Lounge
0 1/year
#120
Categories Lifestyle, Lounge Access, Rewards, Secured, Travel, Youth
CardNitty's take
Pros
- Zero forex markup on international spends
- Welcome benefits worth Rs.5,000+ for Rs.750 fee
- Up to 16.7% value back on hotel bookings
- 4 RP per Rs.150 base rewards (2.67%)
- 4 domestic lounge visits/year (quarterly)
- UPI-enabled RuPay virtual card included
- 3 RP per Rs.150 on UPI above Rs.2,000
- Trip cancellation cover up to Rs.10,000
- FD-backed: no income/credit score needed
- 1% fuel surcharge waiver (up to Rs.200/month)
- Annual fee waived on Rs.1.5L spend
Cons
- Only Rs.750 joining/annual fee (not lifetime free)
- Requires minimum Rs.20,000 FD
- Lounge needs Rs.20K monthly spend unlock
- Only 4 domestic lounges/year (1 per quarter)
- No international lounge access
- No personal accident insurance
- Low base reward rate (0.67%)
- Limited to 2 trip cancellation claims/year
- Points worth Rs.0.25 (Rs.0.50 only for travel)
- No golf, spa, or concierge benefits
Best for: Young professionals, millennials, online shoppers, students
PNB RuPay Millennial Credit Card
APPLY NOW
on Punjab National Bank's website
Annual fee
₹499
#75Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹499
#78Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Min Credit Score
680+
#38
Categories Entry Level, RuPay, Youth
CardNitty's take
Pros
- Low annual fee of Rs.499 (waived on Rs.50K spend)
- Designed specifically for millennials (21-35 years)
- 2x rewards on online shopping and entertainment
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Easy fee waiver with Rs.50K annual spend
- NCMC functionality for transit payments
- Lower income requirement (Rs.15K/month)
- Contactless payment enabled
Cons
- No airport lounge access
- Lower credit limit (max Rs.2 lakh)
- Age restriction (21-35 years only)
- Basic reward rate on non-bonus categories
- 3.5% forex markup
- High APR of 35.4% per annum
- Limited premium benefits
- Only 1 add-on card allowed