Compare ICICI Bank Platinum Chip Credit Card vs IDFC Bank FIRST SWYP Credit Card

Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel. Redeem the points to avail attractive products on ICICI Bank Rewards platform
Avail 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
Redeeming ICICI Bank Rewards Points is easy and it allows you to indulge in the finer things life has to offer. From movie and travel vouchers to lifestyle products, ICICI Bank Reward Points offer a diverse range of options for redemption
1% fuel surcharge waiver on fuel transactions of maximum Rs. 4,000 at HPCL pumps
Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas. Moreover, when traveling abroad, use the dedicated Global Emergency Assistance Service provided by Visa for reporting loss of card, emergency card replacement, emergency cash advance or for other enquiries that you may have
Mastercard Offers: Mastercard Priceless Specials is an exclusive program specially created for Mastercard cardholders. This program has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders

Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
4 complimentary railway lounge access per quarter
25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
Complimentary Roadside Assistance worth Rs. 1,399
Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
Access to additional 300+ merchant offers on all your fav categories, all year round
Pay your statement in full or EMIfy your eligible balance
You can convert your eligible balance into easy & convenient EMIs
Make sure to pay any outstanding balance post EMI conversion by your payment due date
Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
Year- long instant discounts starting from 10% off on our Feature Partners
FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP

Pros

Avail 2 Reward Points on every Rs. 100 spent for all retail purchases except fuel, and 1 Reward Point on every Rs. 100 spent on utilities and insurance categories
1% fuel surcharge waiver on fuel transactions
Visa Offers: Enjoy great offers from luxury hotels, restaurants, lifestyle stores, spas
Mastercard Offers: Mastercard Priceless Specials is an exclusive program that has a host of exceptional experiences designed to inspire and enrich the lives of the Mastercard cardholders

Cons

Pros

Numerous welcome benefits
Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
Affordable joining/annual fee

Cons

While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
Make sure to pay any outstanding balance post EMI conversion by your payment due date
No golf benefits