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| Feature | IDFC FIRST Bank IDFC FIRST Millennia Credit Card | IDFC FIRST Bank IDFC FIRST SWYP Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Visa + RuPay | Mastercard |
| Annual fee | Lifetime free | ₹499 + GST per year |
| Annual fee waiver | Not required | No waiver recorded |
| Base reward rate | 0.4% | 0% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.3% · 10X lifestyle and international rewards | No rewards |
| International spending | 1.3% · 10X lifestyle and international rewards | No rewards |
| Travel & hotels | 1.3% · 10X lifestyle and international rewards | No rewards |
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 | 0% | 0% |
| Monthly income requirement | Approx. ₹25,000/month salaried · ₹25,000/month self-employed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | First-card users wanting lifetime-free pricing, UPI and simple milestone rewards. | Young UPI users who can meet monthly spend conditions and use domestic lounges. |
| Main trade-off | The four lounge visits are railway lounges, not airport lounges. Reward earning stops above the assigned credit limit in a billing cycle, and ₹99 plus tax is charged per point redemption. | 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.
