AU KOSMO Credit Card vs IDFC FIRST Wealth Credit Card
AU Small Finance Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreGood
Annual FeeFree
Max Reward1.5%
IDFC FIRST BankScoreElite
Annual FeeFree
Max Reward5%
IDFC FIRST Wealth Credit Card leads overall with a CardCheck Score of 91/100 (+30 pts over AU KOSMO Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IDFCReward Power
35%AU20/35
IDFC34/35
IDFC Wins
Fee Value & ROI
25%AU25/25
IDFC25/25
Tie (25/25)
Lounge & Travel
20%AU4/20
IDFC18/20
IDFC Wins
Forex & Access
20%AU12/20
IDFC14/20
IDFC Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 61
- 91Best
- Rating Verdict
- Good
- Elite
- Reward Power (35%)
- 20/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 4/20
- 18/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- IDFC FIRST Bank
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Premium
- Best for
- UPI payments and rewards
- IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Fee waiver
- Free
- —
- Interest-free days
- 50Best
- 45
04—Interest
- APR (min)
- 45%
- 8.5%Best
- APR (max)
- 45%Best
- 46.2%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.5%Best
- 1%
- Max rate
- 1.5%
- 5%Best
- Point value
- ₹0.25
- —
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 4
- Intl lounge / year
- —
- 2
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 0%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- —
- ₹1,50,000
- Min CIBIL
- —
- 750
- Invite only
Rows won
03of 06
03of 06
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 61 | 91Best |
| Rating Verdict | Good | Elite |
| Reward Power (35%) | 20/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 4/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | IDFC FIRST Bank |
| Network | RuPay | Visa |
| Card type | Co-branded | Premium |
| Best for | UPI payments and rewards | IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Free | — |
| Interest-free days | 50Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 8.5%Best |
| APR (max) | 45%Best | 46.2% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.5%Best | 1% |
| Max rate | 1.5% | 5%Best |
| Point value | ₹0.25 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 4 |
| Intl lounge / year | — | 2 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 0% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | — | ₹1,50,000 |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 03of 06 | 03of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU KOSMO Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|
| CardCheck Score | 61/100Good | 91/100Elite |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 1.5% | 5% |
| Domestic Lounge Access | Check terms | 4 / quarter |
| International Lounge | None | 2 / year |
| Forex Markup Fee | 3.5% | 0% |
Choose AU KOSMO Credit Card if:
Your spending centers around upi payments and rewards and you want direct partner rewards with AU Small Finance Bank.
Choose IDFC FIRST Wealth Credit Card if:
Your spending aligns with idfc's flagship lifetime-free premium — 0% forex, 10x on top spends, 4 lounge/quarter and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: AU KOSMO Credit Card vs IDFC FIRST Wealth Credit Card
- Which is better: AU KOSMO Credit Card or IDFC FIRST Wealth Credit Card?
- IDFC FIRST Wealth Credit Card holds a higher overall rating with a CardCheck Score of 91/100 (Elite) compared to 61/100 (Good) for AU KOSMO Credit Card (a lead of +30 points). IDFC FIRST Wealth Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU KOSMO Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IDFC FIRST Wealth Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU KOSMO Credit Card and IDFC FIRST Wealth Credit Card?
- AU KOSMO Credit Card offers a base reward rate of 1.5% and up to 1.5% on accelerated partner categories. Meanwhile, IDFC FIRST Wealth Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU KOSMO Credit Card or IDFC FIRST Wealth Credit Card?
- AU KOSMO Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, IDFC FIRST Wealth Credit Card provides 4 domestic lounge visit(s) per quarter and 2 international lounge visit(s)/yr. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU KOSMO Credit Card levies a foreign currency markup fee of 3.50%, while IDFC FIRST Wealth Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).