Which card has a lower forex fee: HDFC Tata Neu Plus HDFC Bank Credit Card or IDFC FIRST Swyp Credit Card?

IDFC FIRST Swyp Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: HDFC Tata Neu Plus HDFC Bank Credit Card or IDFC FIRST Swyp Credit Card?

HDFC Tata Neu Plus HDFC Bank Credit Card has a lower annual fee (₹250 vs ₹499).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge. IDFC FIRST Swyp Credit Card: 16 railway lounge visits per year (max 4/quarter).

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Plus RuPay vs IDFC FIRST Bank Swyp Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Tata Neu Plus RuPay and the IDFC FIRST Bank Swyp. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex IDFC FIRST Bank Swyp Lounge IDFC FIRST Bank Swyp upi HDFC Bank Tata Neu Plus RuPay

Quick comparison

Three core metrics

Tata Neu Plus RuPay HDFC Bank

Annual fee ₹250 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

Swyp IDFC FIRST Bank

Annual fee ₹499
Forex markup 0%
Domestic lounge 16/year railway

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 on General spend

Swyp

Base rewards on regular spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹250 vs IDFC FIRST Bank Swyp: ₹499), forex markup (3.5% vs 0%), or lounge access (1/quarter vs 16/year railway).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Swyp has comparable evidence here. Forex markup is 0%.

Tata Neu Plus RuPay: Limited data Swyp: Limited data
Forex markup IDFC FIRST Bank Swyp wins

IDFC FIRST Bank Swyp is better for forex

IDFC FIRST Bank Swyp is stronger here. Forex markup is 0%.
Lounge access IDFC FIRST Bank Swyp wins

IDFC FIRST Bank Swyp is better for lounge access

IDFC FIRST Bank Swyp is stronger here. Domestic lounge access is no airport lounge access.
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Plus RuPay has comparable evidence here. Estimated base reward value is ~1% on base spend.
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

HDFC Bank Tata Neu Plus RuPay is stronger here. Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus HDFC Bank: ~₹500/month at base rate
IDFC FIRST Swyp: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Plus RuPay HDFC Bank	Swyp IDFC FIRST Bank
Lounge Access
Domestic lounge visits 1/quarter vs 16/year railway	1/quarter	16/year railway
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 0%	3.5%	0%
Fees
Annual fee ₹250 vs ₹499	₹250	₹499
Joining fee ₹250 vs ₹499	₹250	₹499
Fee waiver spend Only available for Tata Neu Plus HDFC Bank	₹1,00,000	Not specified
Interest-free period Up to 50 days vs Up to 45 days	Up to 50 days	Up to 45 days
Rewards
Points per ₹100 Only available for Tata Neu Plus HDFC Bank	1 pts	Not specified
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.