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HDFC Bank INFINIA Metal Credit Card VS IDFC Bank FIRST SWYP Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 25 July 2026

Both IDFC Bank FIRST SWYP Credit Card and HDFC Bank INFINIA Metal Credit Card suit dining-focused spenders, but they earn and cost differently. IDFC Bank FIRST SWYP Credit Card costs ₹499 + GST and earns up to 4000 RPs monthly on ₹60k spend (1 RP = ₹0.25). Bonus RPs on travel, education, FASTag, UPI. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. IDFC Bank FIRST SWYP Credit Card also brings 4 complimentary Domestic Airport Lounge access on achieving 10 successful referrals, while HDFC Bank INFINIA Metal Credit Card counters with unlimited complimentary airport lounge access in India for primary and add-on cardholders. If shopping spending matters more, go with IDFC Bank FIRST SWYP Credit Card; if premium is the priority, HDFC Bank INFINIA Metal Credit Card fits better.

HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
IDFC Bank FIRST SWYP Credit Card
IDFC Bank FIRST SWYP Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹499 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based WaiverJoining fee waived on 1st referral. Annual fee offer: 2000 RPs on ₹5k spend.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction Fees3.5%.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)No interest on transaction/balance EMIs; flat monthly conversion fee applies.

Rewards & Benefits

Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome BonusVouchers worth ₹500, 1000 RPs, MakeMyTrip ₹1500, EaseMyTrip ₹2100, Lenskart Gold Max, Mokobara 10% off.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards RateUp to 4000 RPs monthly on ₹60k spend (1 RP = ₹0.25). Bonus RPs on travel, education, FASTag, UPI.
Reward TypeReward Points
Reward TypeReward Points, Other Benefits
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption transaction.

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge Access4 complimentary Domestic Airport Lounge access on achieving 10 successful referrals.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge Access
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel Benefits4 free railway lounge access/quarter (spend based). Bonus RPs on travel bookings. Airport lounge via referrals.
Movie Benefits
Movie Benefits25% off movie tickets up to ₹100 on District By Zomato (spend based).
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining Benefits25% off movies (District by Zomato), B1G1 coffee, Zomato 10% off, Dominos 20% off.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% waiver up to ₹200 per month on fuel transactions between ₹200 and ₹5,000.

Security & Other

Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance Benefits₹2L Personal Accident Cover, 24/7 roadside assistance, ₹25k Lost Card Liability.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance Charges₹199 + GST per transaction. Max withdrawal ₹10,000.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank INFINIA Metal Credit Card

IDFC Bank FIRST SWYP Credit Card

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Who is it for?

The IDFC Bank FIRST SWYP Credit Card is designed for a digital-first lifestyle, especially appealing to youngsters and students. It offers a unique EMI model with a flat monthly fee instead of interest, providing financial flexibility. Cardholders enjoy extensive welcome benefits, robust milestone rewards, complimentary railway lounge access, and year-round discounts on popular brands. This card is an excellent choice for those seeking transparent fees and a strong value proposition for everyday spending and travel.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Pros

Key benefits and features.

Affordable Fees: Comes with a reasonable joining and annual fee of ₹499 + GST.

Generous welcome benefits include gift vouchers, RPs, and travel discounts worth over ₹5,000.

Unique EMI model converts spends to EMIs with a flat monthly fee, avoiding traditional interest.

Enjoy 4 complimentary railway lounge accesses per quarter, ideal for frequent train travelers.

Robust rewards program offers up to 4,000 RPs monthly on milestones and bonus RPs on travel.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

Cons

Key drawbacks and limitations.

No minimum amount due option; must pay full or convert to EMIs, requiring careful planning.

Domestic airport lounge access is conditional, requiring 10 successful referrals to unlock.

Many key benefits like movie discounts and railway lounge access require a ₹20,000 monthly spend.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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