Paisabazaar Paisa+ Credit Card
Rs 499Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Cashback, Secured Card, UPI, Online Spends
Top rewards
Online Spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline Retail Spends: 1% cashback on offline spends; UPI Spends: 1% cashback on eligible UPI transactions of ₹2,000 and above
EA₹N Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
0%Forex markup
Best for
Secured Card, UPI, Cashback, Credit Builder, Virtual Card
Top rewards
UPI Spends Via IDFC FIRST Bank Mobile App: 1% cashback; Other Spends (including Offline, Online, Utility, Insurance, Fuel, And Third-Party UPI): 0.5% cashback
| Feature | Paisabazaar Paisa+ Credit Card | EA₹N Credit Card |
|---|---|---|
| Issuer | SBM Bank | IDFC FIRST Bank |
| Network | RuPay | RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 499 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,00,000 |
| Reward type | Cashback | Cashback |
| Best for | Cashback, Secured Card, UPI, Online Spends | Secured Card, UPI, Cashback, Credit Builder, Virtual Card |
| Top reward categories | Online Spends: 1.5% cashback on online spends (for FDs above ₹10,000; 1% for FDs below ₹10,000); Offline Retail Spends: 1% cashback on offline spends; UPI Spends: 1% cashback on eligible UPI transactions of ₹2,000 and above | UPI Spends Via IDFC FIRST Bank Mobile App: 1% cashback; Other Spends (including Offline, Online, Utility, Insurance, Fuel, And Third-Party UPI): 0.5% cashback |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 0% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Fuel spends, EMI transactions, Wallet loading transactions, ATM withdrawals and cash advances, Purchase of gold or jewellery, Rent payments | EMI transactions, Cash withdrawal / cash advance transactions |