IDFC FIRST EA₹N Credit Card vs SBI Card MILES PRIME Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  IDFC FIRST EA₹N Credit CardIDFC First Bank6 recent changes → |  SBI Card MILES PRIMEState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% on most spends; 2.5% only at partner merchants | 0.5% base, up to 1% on travel | |
| UPI payments (scan and pay) | 0.5% | Earns nothing | |
| Online shoppingsame | 0.5% | 0.5% | |
| Dining and food deliverysame | 0.5% | 0.5% | |
| Groceriessame | 0.5% | 0.5% | |
| Travel: flights, hotels, trains | 0.5%; 2.5% only at Flight and hotel bookings made through the FIRST Rewards Gallery in the IDFC FIRST Bank app | 1% | |
| Fuel | 0.5% | Earns nothing | |
| Bills and recharges | 0.5% | Earns nothing | |
| Rent | 0.5% | Earns nothing | |
| Insurance premiums | 0.5% | Earns nothing | |
| School and college fees | 0.5% | Earns nothing | |
| Wallet top-ups | 0.5% | Earns nothing | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currencysame | 0.5% | 0.5% | |
| Everything elsesame | 0.5% | 0.5% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | RuPay | Mastercard | |
| Card tier | Entry | Premium | |
| Fees | |||
| Joining fee | Free | ₹2,999 + GST | |
| Annual fee | ₹499 + GST | ₹2,999 + GST | |
| Fee waived at | ₹1,00,000 | ₹10,00,000 | |
| Eligibility | |||
| Min age | 18 years | 21 years | |
| Max age | 80 years | 70 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹0 | - | |
| Rewards | |||
| Reward type | Cashback | Air miles | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | - | ₹250 | |
| Lounge access | |||
| Domestic lounge visits | - | 8 | |
| International lounge visits | - | 4 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | - | 8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years | |
| Forex and international | |||
| Forex markup | None | 2.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Page content | |||
| Documents needed | PAN card Aadhaar / address proof Fixed deposit of ₹5,000 or more (no income proof required) | PAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,200
- Fee a year
- ₹0
- You keep
- ₹1,200
- Rewards a year
- ₹1,500
- Fee a year
- - ₹3,539
- You keep
- - ₹2,039
At this spend, IDFC FIRST EA₹N Credit Card comes out ₹3,239 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- First-time credit users
- People building or repairing a credit score
- UPI users who bank with IDFC FIRST
- Moviegoers
- Frequent flyers
- People who spend heavily on travel
- Travellers who want Priority Pass access
Watch-Outs
- ₹499 fee if you spend under Rs 1 lakh a year
- 1% cashback only through the IDFC FIRST app
- Fee waiver needs Rs 10 lakh a year, which most people will not reach
- Base return of about 0.5% is low
- Credits are worth the most only when redeemed for travel
Card data sourced via CardAdvisor.in (IDFC FIRST EA₹N Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, IDFC FIRST EA₹N Credit Card or SBI Card MILES PRIME?
IDFC FIRST EA₹N Credit Card. IDFC FIRST EA₹N Credit Card: ₹499; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST EA₹N Credit Card has the lowest forex markup. IDFC FIRST EA₹N Credit Card: 0%; SBI Card MILES PRIME: 2.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: IDFC FIRST EA₹N Credit Card 0.5%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
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