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IDFC FIRST Wealth Credit Card VS IDFC Bank FIRST SWYP Credit Card VS IDFC First Bank Ashva Metal Credit Card VS IDFC FIRST Bank Business Credit Card

A detailed, side-by-side look at 4 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
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
IDFC Bank FIRST SWYP Credit Card
IDFC Bank FIRST SWYP Credit Card
IDFC First Bank Ashva Metal Credit Card
IDFC First Bank Ashva Metal Credit Card
IDFC FIRST Bank Business Credit Card
IDFC FIRST Bank Business Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Joining Fee₹2,999 + GST
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹999 + GST
Spend Based WaiverNot Applicable
Spend Based WaiverJoining fee waived on 1st referral. Annual fee offer: 2000 RPs on ₹5k spend.
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Foreign Transaction Fees3.5%.
Foreign Transaction Fees1% on international transactions.
Foreign Transaction Fees1.99%
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).
Interest Rate (APR)No interest on transaction/balance EMIs; flat monthly conversion fee applies.
Interest Rate (APR)Up to 46.2% Annually.
Interest Rate (APR)Low Interest Variant: 1.5-2% p.m. High Reward Variant: 3% p.m. 3.99% p.m. on less than Min Due.

Rewards & Benefits

Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Welcome BonusVouchers worth ₹500, 1000 RPs, MakeMyTrip ₹1500, EaseMyTrip ₹2100, Lenskart Gold Max, Mokobara 10% off.
Welcome BonusEarn up to 7,500 Reward Points, valued at up to ₹3,000, on joining and meeting spend criteria.
Welcome Bonus
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Rewards RateUp to 4000 RPs monthly on ₹60k spend (1 RP = ₹0.25). Bonus RPs on travel, education, FASTag, UPI.
Rewards RateEarn 10X Reward Points/₹150 on incremental spends above ₹20,000 monthly.
Rewards RateUp to 10X Reward Points on business spends (forex, utility, digital ad). Choose low interest or high rewards.
Reward TypeReward Points
Reward TypeReward Points, Other Benefits
Reward TypeReward Points, Other Benefits
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹99 + GST per redemption instance.

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
Domestic Lounge Access4 complimentary Domestic Airport Lounge access on achieving 10 successful referrals.
Domestic Lounge Access4 complimentary visits each quarter at select airport lounges across India.
Domestic Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
International Lounge Access2 complimentary visits each quarter to lounges at select international airports.
International Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Travel Benefits4 free railway lounge access/quarter (spend based). Bonus RPs on travel bookings. Airport lounge via referrals.
Travel BenefitsFree trip cancellation, discounts on hotels, airport meet & greet, and transfer services.
Travel BenefitsUp to 25% bonus on hotel/travel bookings via app. Includes comprehensive travel insurance benefits.
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Movie Benefits25% off movie tickets up to ₹100 on District By Zomato (spend based).
Movie BenefitsBuy One Get One free movie tickets (up to ₹400 off, twice monthly) via District App.
Movie Benefits
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Dining Benefits25% off movies (District by Zomato), B1G1 coffee, Zomato 10% off, Dominos 20% off.
Dining BenefitsUp to 20% off total bill at participating restaurants with Visa Infinite dining discounts.
Dining Benefits1X/2X Reward Points on rentals, restaurants & utility.
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Golf Benefits
Golf Benefits2 complimentary golf lessons or rounds each month, based on spend.
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).
Fuel Surcharge Waiver1% waiver up to ₹200 per month on fuel transactions between ₹200 and ₹5,000.
Fuel Surcharge Waiver1% waiver up to ₹300/cycle on transactions between ₹200 and ₹5,000.
Fuel Surcharge WaiverWaiver up to ₹500 per statement cycle.

Security & Other

Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Insurance Benefits₹2L Personal Accident Cover, 24/7 roadside assistance, ₹25k Lost Card Liability.
Insurance BenefitsCovers card liability, personal accident, credit shield, purchase protection, and travel.
Insurance BenefitsRoad Side Assistance, ₹10L Personal Accident Cover, Lost Card, Credit Shield, Purchase Protection, Travel Insurance.
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
Cash Advance Charges₹199 + GST per transaction. Max withdrawal ₹10,000.
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
Cash Advance Charges₹199 + GST for each instance. Up to 10% of total Credit Limit.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Wealth Credit Card

IDFC Bank FIRST SWYP Credit Card

IDFC First Bank Ashva Metal Credit Card

IDFC FIRST Bank Business Credit Card

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

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.

Who is it for?

The IDFC First Bank Ashva Metal Credit Card is a premium offering for achievers, featuring a unique 12-gram metal design. It provides extensive travel and lifestyle benefits, including low 1% forex markup and up to 10X reward points on high spends. Ideal for frequent travelers and high-spenders, this card offers unparalleled experiences and comprehensive privileges.

Who is it for?

The IDFC FIRST Business Credit Card, issued by IDFC FIRST Bank, is a versatile business credit card designed for entrepreneurs and small to medium-sized corporations. It stands out by offering flexible plans, allowing users to choose between a low-interest rate structure or a high-rewards earning program, tailored to their business needs. Key benefits include accelerated reward points on business expenses, a competitive low forex markup, and complimentary airport lounge access, making it a comprehensive tool for efficient business expense management.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

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.

Pros

Key benefits and features.

Extensive complimentary lounge access, including domestic, international, and railway lounges.

Affordable ₹2,999 fee for extensive Visa Infinite privileges and complimentary services.

Features a significantly lower Forex markup charge of 1% on international transactions.

Provides valuable benefits like free movie tickets (BOGO offer) and comprehensive travel insurance.

Pros

Key benefits and features.

Offers flexibility to choose between a low-interest rate plan or a high-rewards earning plan.

Reward Points are valid for a lifetime and have no expiry.

Low forex markup of 1.99%, significantly lower than the industry average.

Provides complimentary domestic and international airport lounge access.

Comprehensive insurance benefits including Road Side Assistance, Personal Accident Cover, and Travel Insurance.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

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.

Cons

Key drawbacks and limitations.

Many premium benefits like 10X rewards and lounge access are spend-based, requiring ₹20,000 monthly.

No spend-based annual fee waiver, requiring payment of the ₹2,999 annual fee each year.

Annual milestone benefit of 7,500 Reward Points for ₹8 lakh spend is modest.

Cons

Key drawbacks and limitations.

While reward earning is strong, the redemption options could be improved.

Complimentary lounge access requires a minimum spend of ₹20,000 in the previous month.

A rewards redemption fee of ₹99 + GST is applicable per redemption instance.

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.
Apply for IDFC FIRST Wealth Credit Card(opens in new tab)Apply for IDFC Bank FIRST SWYP Credit Card(opens in new tab)Apply for IDFC First Bank Ashva Metal Credit Card(opens in new tab)Apply for IDFC FIRST Bank Business Credit Card(opens in new tab)