Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Ixigo AU Credit Card vs IDFC FIRST Select Credit Card for ₹30,000 Monthly Spend
Comparing Ixigo AU Credit Card vs IDFC FIRST Select Credit Card at ₹30,000/month. Ixigo AU Credit Card wins, delivering ₹6,165 net annual value (1.71% ROI) vs ₹2,376 for IDFC FIRST Select Credit Card.
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₹30,000(₹3,60,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹30,000/mo+ ₹3,789/yr Higher Value
Ixigo AU Credit Card
Delivers ₹6,165 net annual returns (1.71% ROI) vs ₹2,376 on IDFC FIRST Select Credit Card.
Card A
Ixigo AU Credit Card
AU Small Finance Bank
₹6,165Net Annual Benefit
Gross Rewards:₹6,165/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.71%
Card B
IDFC FIRST Select Credit Card
IDFC FIRST Bank
₹2,376Net Annual Benefit
Gross Rewards:₹2,376/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.66%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,600/year Extra YieldPair Ixigo AU Credit Card + SBI Cashback Credit Card
Pair Ixigo AU Credit Card with SBI Cashback Credit Card to capture up to ₹3,600/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹30,000/mo)
| Spend Category | Monthly Spend | Ixigo AU Credit Card | IDFC FIRST Select Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹7,500/mo | ₹188 (2.5%) | ₹75 (1%) |
| Scan & Pay Merchant UPI | ₹4,500/mo | ₹56 (1.25%) | ₹23 (0.5%) |
| Electricity, Water, Gas & Broadband Bills | ₹3,600/mo | ₹45 (1.25%) | ₹18 (0.5%) |
| Swiggy, Zomato & Dining Out | ₹3,600/mo | ₹90 (2.5%) | ₹36 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹3,000/mo | ₹75 (2.5%) | ₹15 (0.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150/cycle | ₹2,400/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹2,400/mo | ₹60 (2.5%) | ₹24 (1%) |
| LIC, Health & Term Insurance Premiums | ₹1,500/mo | 0% Excluded | ₹8 (0.5%) |
| House Rent & School/College FeesRent and educational payments are excluded from reward points accrual | ₹1,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsZero 0% markup fee on foreign currency transactions; 1% dynamic currency conversion fee applies if settled in INR | ₹0/mo | ₹0 (1.25%) | ₹0 (1%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹3,60,000/yr | +₹6,165 | +₹2,376 |
Frequently Asked Questions
Which card is better between Ixigo AU Credit Card and IDFC FIRST Select Credit Card for ₹30,000/month?▼
At ₹30,000/month (₹360,000/year), Ixigo AU Credit Card mathematically outperforms IDFC FIRST Select Credit Card by ₹3,789/year. Ixigo AU Credit Card delivers ₹6,165 net annual benefit (1.71% effective yield), while IDFC FIRST Select Credit Card returns ₹2,376 (0.66% effective yield).
Will the annual fee be waived at ₹30,000 monthly spend?▼
On an annual spend of ₹360,000: Ixigo AU Credit Card annual fee is waived (₹0). IDFC FIRST Select Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Ixigo AU Credit Card loses ₹0/year to monthly cashback caps, while IDFC FIRST Select Credit Card loses ₹0/year. Ixigo AU Credit Card remains uncapped at this spend. IDFC FIRST Select Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Ixigo AU Credit Card and IDFC FIRST Select Credit Card?▼
Ixigo AU Credit Card maintains superior net value across all standard monthly spend brackets between ₹15,000 and ₹2,00,000.