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IDFC FIRST Quantum Plus vs IOB ZET Credit Card 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.

IDFC FIRST Quantum Plus Credit Card versus IOB ZET Credit Card compared
FeatureIDFC FIRST Quantum Plus Credit CardIDFC FIRST Quantum Plus Credit CardIDFC First Bank
IOB ZET Credit CardIOB ZET Credit CardIndian Overseas Bank
Rewards by spend
Rewards1% on most spendsRewards not published
UPI payments (scan and pay)1%Earns nothing
Online shopping1%Not stated
Dining and food delivery1%Not stated
Groceries1%Not stated
Travel: flights, hotels, trains1%Not stated
FuelsameNot statedNot stated
Bills and rechargessameNot statedNot stated
RentsameNot statedNot stated
Insurance premiumssameNot statedNot stated
School and college feessameNot statedNot stated
Wallet top-upssameNot statedNot stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency1%Not stated
Everything else1%Not stated
Card identity
Card type-Secured
NetworkRuPay-
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age18 years-
Rewards
Reward typeCashback-
Forex and international
Forex markup3.5%2.49%
ApplyApply NowApply Now

Best For

IDFC FIRST Quantum Plus Credit Card
  • First-time card users building a credit score
  • People without income proof
  • Everyday spenders who want cashback with no fee
IOB ZET Credit Card
  • First-time credit users
  • Students and new earners
  • People rebuilding a credit score
  • UPI users

Watch-Outs

IDFC FIRST Quantum Plus Credit Card
  • The limit is tied to the fixed deposit
  • 3.5% markup on foreign spends
  • Only 0.5% on bills, rent and insurance
IOB ZET Credit Card
  • Credit limit is capped at 90% of your deposit
  • Cashback applies only to UPI payments made through ZET
  • Discount offers vary by brand and change over time

Questions People Ask

Which has the lower annual fee, IDFC FIRST Quantum Plus Credit Card or IOB ZET Credit Card?

They charge the same annual fee. IDFC FIRST Quantum Plus Credit Card: no annual fee; IOB ZET Credit Card: no annual fee.

Which is better for spending abroad?

IOB ZET Credit Card has the lowest forex markup. IOB ZET Credit Card: 2.49%; IDFC FIRST Quantum Plus Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

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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