Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank HDFC Bank Freedom Credit Card | IDFC FIRST Bank IDFC FIRST SWYP Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | IDFC FIRST Bank |
| Network | RuPay | Mastercard |
| Annual fee | ₹500 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹50,000 annual spending | No waiver recorded |
| Base reward rate | 0.1% | 0% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Approx. ₹12,000/month salaried · ₹16,667/month self-employed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | First-time HDFC applicants who prioritise low eligibility thresholds over a high base earn rate. | Young UPI users who can meet monthly spend conditions and use domestic lounges. |
| Main trade-off | Base value back is only 0.075% at ₹0.15 per CashPoint. Accelerated merchants and regulated categories have separate ceilings, exclusions and minimum transaction rules. | The physical SWYP card is Mastercard, not RuPay, and its lounge benefit is railway-only. The optional FIRST Digital RuPay companion costs ₹199 annually and is not bundled into the main-card economics. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
