Compare IDFC Bank FIRST SWYP Credit Card vs Tata Neu Infinity HDFC Bank Credit Card

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

In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
Reward points gained on Grocery transactions will be capped to 2,000 per month
Zero lost card liability
Foreign Currency Markup: 2% on all your foreign currency spends
Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

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

Pros

Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs. 9 lakhs
Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons