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| Feature | IDFC FIRST Bank IDFC FIRST SWYP Credit Card | HDFC Bank HDFC Bank Freedom Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | HDFC Bank |
| Network | Mastercard | RuPay |
| Annual fee | ₹499 + GST per year | ₹500 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹50,000 annual spending |
| Base reward rate | 0% | 0.1% |
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 | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 0% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹12,000/month salaried · ₹16,667/month self-employed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | Young UPI users who can meet monthly spend conditions and use domestic lounges. | First-time HDFC applicants who prioritise low eligibility thresholds over a high base earn rate. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
