AU XCITE vs IDFC FIRST SWYP

Compare AU XCITE and IDFC FIRST SWYP on annual fees, joining fees, rewards, benefits and important limitations.

AU XCITE

AU Small Finance Bank

15 points per ₹100 on eligible dining, movies, groceries and departmental stores

Annual fee: ₹249 + GST (waived on ₹1 lakh qualifying annual spend)

Joining fee: ₹249 + GST

Network: Issuer-selected variant

AU XCITE is a paid card focused on shopping rewards, dining rewards and online spending, charging ₹249 annually before GST.

IDFC FIRST Bank

Spend-milestone rewards and discounts with listed partners

Annual fee: ₹499 + GST

Joining fee: ₹499 + GST

Network: Issuer-selected variant

IDFC FIRST SWYP is a paid card focused on shopping rewards, online spending and dining rewards, charging ₹499 annually before GST.

A higher-fee option to compare for broader benefits around shopping rewards and reward points.
A lower-fee way to compare similar strengths in shopping rewards and reward points.

Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.