ONECARD VS IDFC WOW CREDIT CARD COMPARISON| WHICH IS THE BEST ?|2023

 

Friends, in today's time, everyone needs a credit card, but not everyone can get a credit card, there can be multiple reasons behind it, such as civil failure or non-generation, bad loan history, location in non-serviceable area, straight sector but if you want your To correct the credit history or to increase the civil score, you can take a secured card , but there are only a few options in the market, where you get a secured card even in low HD. HD card deta hai and doosra ho gaya IDFC first box credit card, so in today's concept, we will tell you which one we get by comparing between these two cards, so let's start friends, let's start with the comparison of benefits and features. First let's talk joining fee is absolutely zero on van card IDFC bowl is also absolutely zero now let's talk annual subscription piece is absolutely zero on van card also in IDFC bowl you don't get any kind of charge friends let's talk Yes, minimum FB is required in Van card it is necessary to do FB of ₹ 5000. In IDFC Bob it is necessary to do minimum HD of 2000. Now let's talk friends Interest rate on HD in Van card is currently at 6.5% enum You get to see according to IDFC Bowl you get to see according to enum at 6.7% let's talk F the auto renewal key van card you get exactly you get in IDFC also you get now friends talk credita limits utilization in van card you get 100% according to FDM mount and for example if you do HD of 5000 then you will get credit limit of 5000 in IDFC bowl also you get 100% credit limit according to FDM mount now Friends, let's talk about the biggest question, is your FDM mount safe, then it has partnered with SBM Bank, which is RBI approved and also insured with Dix, if we talk about IDFC First Bank, then it is also from RBI. You must know that it is approved, HD security is also there, NCRT is there, in WAN card you get to see both physical and virtual card, in IDFC also you get support for physical and virtual card, now let's talk You get to see Visa's infainight card in IDFC's Van card of the card company, in IDFC you get to see Visa's infainight card. It becomes necessary to do 1 lakh, in IDFC Bowl, you do not get the facility to see any type of metal card, while friends talk about Ando card, then for HD users, you do not get the facility of add on card in both. Now friends let's talk about reverse point in Van card, you get to see up to 5x reward point, you will get separate concept, you can understand by looking at it in I button, in IDFC Vo you can see now you forex reward point. You get one reward point equal to 0.25 paise, let's talk about the same friends, you get to see the facility of forex transaction in Van card, along with this, you get to see this facility in IDFC Bob too, now let's talk If it is reported in yours, then it is shown on the report of both, friends, talk about fuel surcharge, then you can get fuel filled from the petrol pump by using the card of both of them, friends, talk about the EMI facility in both. You get to see the facility of EMI, talk about minimum EMI, then it is necessary to pay minimum EMI of ₹ 2500 in Van card, you will get dedicated concept, you can watch it, even in IDFC, you can convert your spend into ours. You can talk about the minimum EMI conversion amount is ₹ 2500. Friends, in the Van card of tenure period, you get to see the time from three to 24 man. In IDFC Bowl, you get to see the time from three to 18 man. Now Friends, let's talk about the processing fee in Van card, you get 1% according to the total amount, the minimum you will be charged is ₹ 99, if you talk about IDFC, then you get 1% according to the transaction amount, in this too you will get a minimum of ₹ 99. Will be charged, now friends talk about the interest rate in Emi Pay Van card, you get to see the interest according to 1.33% immediately, if we talk about IDFC Bob, then in this you will get up to 18% interest according to the enum. If we get to see the rate, then friends, now we will do the comparison. The ones are in between the charges and repayment system of both, so first of all let's talk about physical card association charge, then there is no charge in Van card, even in IDFC Bob card you don't need to pay charge, talk card Van card of replacement charge only plastic charge of 145 rupees in IDFC price you get a charge of ₹ 100 friends talk about rewards point redemson as I told you reward point is also available in this whatever you spend So in redeeming it, there is no charge in Van card, in IDFC you get to see a charge of Rs 99. Now friends talk about forex markup charge, then in Van card there is a charge of 1% of the total transaction value. According to IDFC Bob Kat, there is no forex charge in it, now friends, let's talk about interest free period in Van card, you get 48 days time, you can adjust the billing cycle according to your date IDFC 48 You get to see the time of days, now talk about the interest charge, in Van card, you get to see up to 36% according to the result, if you talk about IDFC Bio, then you get to see 42% according to the enum. Yes, but it depends on the profile of users, now friends, let's talk about late payment charge, then in Van card, you get to see 2.5% of the total amount, whatever the view is, it will be added to IDFC Bank In credit card, you get to see 15% of the total amount due, now friends let's talk about cash withdrawal charge, in Van card you will be charged 2.5% minimum ₹ 300 only if you withdraw its card from any ATM machine. Do you also do doll in IDFC bowl, you get to see ₹ 250 charge in cash withdrawal according to pattern injection, now friends talk about fuel search bever, then in Van card you get to see fuel surcharge charge of ₹ 400 per month You will get only one percent in IDFC bomb, you will get up per month according to friends, all the charges I have told you, tax and GST will be charged separately, for more information you can refer to their website because this thing is very time consuming. Time changes keep happening, so friends, now let's compare the application process, first of all let's talk about eligibility, further both should be 18 or more, if we talk about documents, then Aadhaar card, PAN card, mobile number, email ID and any Kind of physical bank is needed so that HD can be processed, friends, talk about KYC type, then it is necessary to do concept KYC in both, talk about the apply process, then you will find them in the description box to apply for both. You can go and apply , but before that, watch the tutorial, there are many on YouTube, friends, till now you must have got clarity in this concept, which card you should go with, now I have come to the conclusion of 32 concepts and my opinion. Write down some points here, which I will explain to you, which will bring even more clarity, so the first point is, friends, why do you take credit cards from you, so that your credit history becomes good and you can apply for those secured cards in future. What will happen when you go to apply for Kato card and you don't get your bank's option, exactly the same issue goes with Van card because SBM option doesn't come whereas IDFC doesn't have such problem guys second point is repayment Method ka man ke chalo aapke bill payment last date is going on, you sadanasionally open the app, go to pay the bill and you get a technical error, it is necessary to pay the bill, in such a situation you get a mention of third party application like that paytm adsetra on amazon but in such application van card option is not visible so that you can not make their through payment but you can pay idfc through paytm you can do it from amazon or any other third party application You can also do with them, the third which is the most important point is the rewards rate, whatever you spend with a credit card, you get reward points, in Van card you get up to 5x reward points, which according to me is much better. Yes but with IDFC you don't get that much good reverse points no you get to see that much good offer the biggest thing about van card is that in this you are given reward points even on bill payment but with IDFC you have such a case Van card offer time tu time aata raha hai amazon flipkart pe jahan aapko aapko hai 10% discount is also available, apart from this, you also get to see the scheme of referring Arun, if this is not the case with IDFC, then the offer is better than idefc van card, so friends, this was my opinion, rest with which card you should go with. If you want to go, please comment below and tell me, whatever information I have given you on this concept, it has been done from their official website, whose resource ceiling you will find in the description box. I hope you have liked this concept, then definitely like it. I will meet you in the next concept till then Jai Hind Jai Bharat Australia