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

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

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

Both cards have the same annual fee (₹499).

Which card offers better lounge access?

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

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 →

IDFC FIRST Bank Swyp vs SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex

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

Forex IDFC FIRST Bank Swyp Lounge IDFC FIRST Bank Swyp upi SBI Card Tata Neu Plus

Quick comparison

Three core metrics

Swyp IDFC FIRST Bank

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

Tata Neu Plus SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter

Reward earning explained

Per card

Swyp

Base rewards on regular spend

Tata Neu Plus

5 NeuCoins / ₹100 on Tata Neu Select Accelerated (Up to 5% extra on select cate…

Pick based on what matters

4 dimensions

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

Travel Insufficient data

Insufficient data to compare travel

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

Swyp: Limited data Tata Neu Plus: 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.
upi SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for UPI usage

SBI Card Tata Neu Plus 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 SBI Card: ~₹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	Swyp IDFC FIRST Bank	Tata Neu Plus SBI Card
Lounge Access
Domestic lounge visits 16/year railway vs 1/quarter	16/year railway	1/quarter
Forex / International Use
Forex markup 0% vs 3.5%	0%	3.5%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend Only available for Tata Neu Plus SBI Card	Not specified	₹1,00,000
Interest-free period Up to 45 days vs Up to 50 days	Up to 45 days	Up to 50 days
Rewards
Points per ₹100 Only available for Tata Neu Plus SBI Card	Not specified	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹1	₹0.25	₹1
Point validity Only available for IDFC FIRST Swyp	2 years	Not specified

Notes

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