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| Feature | RBL Bank RBL Bank ShopRite Credit Card | IDFC FIRST Bank IDFC FIRST SWYP Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | IDFC FIRST Bank |
| Network | Visa + RuPay | Mastercard |
| Annual fee | ₹500 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹1,50,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 0% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Groceries & essentials | 5% · Grocery 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 | 3.5% | 0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 23 Sept 2026 |
| Best suited to | Budget-focused grocery shoppers who want a low annual fee and can use the RuPay variant for UPI. | Young UPI users who can meet monthly spend conditions and use domestic lounges. |
| Main trade-off | The 5% grocery value assumes redemption at ₹0.25 per point and stops after 1,000 grocery points per month. Many utility, fuel and financial categories earn no points. | 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.
