IDFC FIRST Wealth vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wealth wins 5-4. Lifetime-free premium, best zero-fee card in India. HDFC Swiggy is still the right call if heavy swiggy/instamart users, 10% on the platform tops anything else..
Side-by-side
| Criterion | IDFC FIRST Wealth | HDFC Swiggy |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 3% (general) | 10% (dining) |
| Base reward rate | 3% | · 1% |
| Forex markup | No FX fee | · 3.5% |
| Welcome bonus | = ₹500 gift voucher on ₹5,000 spend within 30 days of card generation | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | · N/A (no fee) | ₹200,000 / yr |
| Min income | · ₹3,600,000 | ₹360,000 |
| Min credit score | · 770 | 740 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
IDFC FIRST Wealth
- 3X reward points on eligible spends; 10X on dining and travel from the first eligible transaction
- 1 domestic + 1 international airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month
- 1% fuel surcharge waiver
- Zero forex markup on international transactions
- Lifetime free, no annual fee, no fee-waiver math
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›IDFC FIRST Wealth vs HDFC Swiggy: which is better?
IDFC FIRST Wealth wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use IDFC FIRST Wealth for its best categories, HDFC Swiggy for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
IDFC FIRST Wealth: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation. HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value).