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| Feature | SBI Card SimplySAVE SBI Card | IDFC FIRST Bank IDFC FIRST SWYP Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | IDFC FIRST Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.2% | 0% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.7% · Accelerated everyday rewards | No rewards |
| Entertainment & movies | 1.7% · Accelerated everyday rewards | No rewards |
| Groceries & essentials | 1.7% · Accelerated everyday rewards | No rewards |
| Offline store shopping | 1.7% · Accelerated everyday 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 | Not eligible | 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 | First-time cardholders whose spending leans offline: dining, grocery and department stores. | Young UPI users who can meet monthly spend conditions and use domestic lounges. |
| Main trade-off | Base rate outside the accelerated categories is low (0.25%); this card is only worth it if you genuinely spend in the boosted categories. | 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.
