Updated September 29, 2026 · DebitCue Editorial Team
Compass vs IDFC FIRST Bank Credit Cards
Compass
Higher score in this comparison
IDFC FIRST Bank Credit Cards
What sets them apart
| Compare | CompassReviewVisitVisit | IDFC FIRST Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | €0 | ₹0 |
| APR | 24.54% | 8.5%Lower |
| Rewards rate | Cashback Base on spending above a minimum threshold | 1% online up to INR 10,000 per statement cycle, 2% on incremental online spends above INR 10,000, 1% on UPI via the IDFC FIRST Bank app, 1% in-store, 0.5% on select categories, plus 1% bonus on hotel and flight bookings in the app; total capped at INR 500 per statement cycle |
| Perks | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number | Personal accident cover of INR 200,000, Lost card liability cover of INR 25,000, UPI enabled RuPay credit card auto linked to the IDFC FIRST Bank app, No income proof or credit history required, Fixed deposit keeps earning interest while funding the card, Zero forex markup on international spends, Cash withdrawal interest free for up to 45 days at a nominal fee of INR 199 plus GST |
| Currency conversion fee | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Cashback rate | Not confirmed | 0.5% to 2% |
Same on both: Rewards type (Cashback), Card kind (Credit).
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Key differences
- Compass scores higher overall: 9.4 vs 8.8.
- Founded is lower at Compass: 1960 vs 2018.
- APR is lower at IDFC FIRST Bank Credit Cards: 8.5% vs 24.54%.
- Perks: only Compass offers No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0.
- Perks: only IDFC FIRST Bank Credit Cards offers Personal accident cover of INR 200,000, Lost card liability cover of INR 25,000, UPI enabled RuPay credit card auto linked to the IDFC FIRST Bank app.
- Support channels: only Compass offers Email.
- Features: only IDFC FIRST Bank Credit Cards offers Secured.
Our verdict on each
Compass
Compass is a cashback credit card from an Italian bank, and it suits you if you want cash back on everyday spending while paying no yearly charge. With an annual fee of €0, the interest rate is the number that should decide whether you take it.
IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Cards suit adults with poor credit who want a cashback card they can use abroad without extra cost. The annual fee is INR 0 and the currency conversion fee is 0%, so most spending stays fee free.
Score breakdown
| Area | Compass | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cost | 9.0Annual fee €0 keeps holding costs at nothing, while an APR of 24.54% makes any carried balance expensive to clear. | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. |
| Offer | 9.7Higher | 8.9 |
| Trust | 9.6Higher | 8.1 |
Choosing between them
Pick Compass if offer matter most.
Pick IDFC FIRST Bank Credit Cards if cost and apr matter most.
If neither fits
Nexo has apr at from 1.9%, against 24.54% for Compass and 8.5% for IDFC FIRST Bank Credit Cards.
Nexo reviewWhat we checked
Compass
- compass.it: 12 facts, checked September 26, 2026
IDFC FIRST Bank Credit Cards
- idfcfirstbank.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Compass | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cashback cards | 5 of 203 | 11 of 203 |
Every fact side by side
| Fact | Compass | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards, SecuredCovers more |
| Legal entity | Compass Banca S.p.A. | IDFC FIRST Bank Ltd |
| Headquarters | Italy | India |
| Founded | 1960Lower | 2018 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Compass | IDFC FIRST Bank Credit Cards | Median |
|---|---|---|---|
| APR | 24.54%above the median | 8.5%lowest quarter | 19.39% |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Cashback rate | Not confirmed | 0.5% to 2%above the median | 1.5 |
Median across 312 listed cards.
Pros and cons
Compass
Pros
- The annual fee is €0, so holding the card year on year costs nothing.
- Rewards come as cash back, and cash back applies to spending above a minimum threshold (Cashback Base on spending above a minimum threshold).
- Extras include branch issue and activation, contactless payments, verified online payments, and Apple Pay and Google Pay (No annual fee, Stamp duty paid by Compass and Paper and digital statement at EUR 0).
Cons
- The APR of 24.54% is high for a card that pays cash back, so a carried balance can cost more than the reward.
- Cash back starts only above a minimum spending threshold, so a light month of card use earns little (Cashback Base on spending above a minimum threshold).
- The card is issued and activated directly in branch, so you cannot open it and start spending straight away (No annual fee, Stamp duty paid by Compass and Paper and digital statement at EUR 0).
IDFC FIRST Bank Credit Cards
Pros
- Annual fee of INR 0 makes it a no annual fee card, matching no annual fee.
- Currency conversion fee of 0% means international spends carry no extra markup, ahead of the site median of 1%.
- APR of 8.5% sits well under the credit card median of 20.85%.
Cons
- Cashback is capped each statement cycle, so heavy spenders earn less than the headline rate.
- The deposit backing the card keeps earning interest, but the money stays tied up while it funds the limit.
- Support runs on phone and help centre only, so there is no chat or email route listed.
Who each suits
Compass
Who it suits
- You spend on a card every month and want cash back for that spending.
- You are based in Italy and can visit a branch to have the card issued and activated.
- You clear the balance each month and can live with a high interest rate on anything left over.
Who should look elsewhere
- Varo Believe Secured Credit Card, if you would rather hold a secured card than a revolving credit line.
- Chime Card, if you want a secured Visa credit card instead of a Compass card carrying an APR of 24.54%.
- Upgrade OneCard, if you prefer a flat card over one you have to collect in branch.
IDFC FIRST Bank Credit Cards
Who it suits
- Adults in India with poor credit who need a card without income proof or a credit history.
- Anyone who spends online, on UPI through the app and abroad and wants cashback on it.
- People with a RuPay credit card they want auto linked to the bank app.
Who should look elsewhere
- Frequent cash withdrawers, because cash advances come with a fee and a short interest free window.
- Chasers of points or miles, since the rewards are plain cashback.
- Shoppers who want lounge access or travel insurance benefits in a single fee free card.
Current offers
IDFC FIRST Bank Credit Cards
Current offer
Bonus
Cashback on 1st transaction with the Hello Cashback Credit Card: INR 250
Applies to the first transaction on the Hello Cashback Credit Card; up to 1% cashback on UPI spends
Source, checked September 26, 2026
Country by country
| Country | Compass | IDFC FIRST Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| Italy | Yes | No |
Questions about each
Compass
Does the Compass card charge an annual fee?+
The annual fee is €0, stamp duty is paid by Compass and a paper or digital statement costs nothing (No annual fee, Stamp duty paid by Compass and Paper and digital statement at EUR 0). The running cost to watch is the APR of 24.54% on a balance you carry.
What interest rate applies if I carry a balance?+
The APR is 24.54%, and it applies to a balance you revolve or a purchase you do not clear in full. The cash back does not offset it, so treat the card as paid in full each month or as an expensive way to borrow.
IDFC FIRST Bank Credit Cards
Does this credit card charge an annual fee?+
No. The annual fee is INR 0 and the card is listed as a no annual fee model, so holding it costs nothing across a year. Many cards in the lists are not so lucky, with an annual fee median of €0 and a top quartile of €4.89. A small cashback rate of 0.5% to 2% is the main reward on offer.
What interest rate will I pay if I carry a balance?+
The APR is 8.5%, which is below the credit card median of 20.85% and the site median of 20.97%. It is a low rate for a card aimed at people with poor credit, but it is not a balance free card, so carrying money month to month still costs you. Paying in full avoids the interest entirely.
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