HDFC Bank
Data verifiedHDFC Freedom Card
A basic rewards card aimed at first-time cardholders with a low, waivable fee.
10x CashPoints
Annual fee
₹500 + GST
IDFC FIRST Bank · Visa
IDFC FIRST SWYP
Built around converting spend into EMIs, with monthly vouchers instead of points.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹499 + GST, renewal ₹499 + GST.
- No spend-based waiver, so the rewards have to cover the fee.
- Headline earn rate: EMI-first, benefit vouchers.
- No complimentary airport lounge access on this card.
Also worth comparing for planned emi spending
American Express
Data verifiedAmerican Express SmartEarn
10x points on Amazon, Flipkart, Swiggy, Zomato and Uber at the lowest Amex fee.
10x on select partners
Annual fee
₹495 + GST
HDFC Bank
ReviewedHDFC Bank Infinia
India's benchmark super-premium card, with unlimited lounge access and strong SmartBuy redemptions.
5 pts per ₹150Lounge access
Annual fee
₹12,500 + GST
Ready to apply for the IDFC FIRST SWYP?
Takes under a minute. We hand you off to IDFC FIRST Bank's official secure application — no middlemen, no data resold.