IDFC First SWYP Credit Card
3 from 344 Users
3 from 344 Users
Welcome bonus of 2000 RP worth ₹500
on ₹5,000 spend in 30 days; 1 RP=₹0.25.
Monthly milestone rewards
Earn 200/500/1000 RP at ₹5k/₹10k/₹15k spend each statement month.
Shopping
Online Food Ordering
Dining
Grocery Shopping
Travel
Joining Fees
₹589 ( ₹499 + GST )
Joining fee is effectively offset through a ₹500 Amazon voucher and Lenskart Gold Max membership worth ₹800
Annual Fees
₹589 ( ₹499 + GST )
Annual fee is waived on 1 successful referral.
Age Criteria
21-60 years
Salary Criteria
2.5 LPA
Credit Rating*
700+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
Redeem points for travel and shopping on the IDFC FIRST app, and often for statement credit; bonus value may apply on milestones and select merchant offers.
To check redemption catalogue
All Benefits
• 2,000 reward points for spending ₹5,000 within the first 30 days of card issuance (worth ₹500).
• 1,000 reward points on first successful EMI transaction within 30 days.
• Complimentary Lenskart Gold Max Membership for 1 year (worth ₹800).
• EaseMyTrip discount coupons: ₹700 off for domestic round-trip flights (minimum ₹7,000 booking), ₹500 off for one-way domestic flights (minimum ₹5,000 booking), ₹700 off for domestic hotel bookings (minimum ₹4,000 booking).
• Monthly Spend Milestones for additional rewards (200 reward points for ₹5,000 spend, 500 reward points for ₹10,000 spend, 1,000 reward points for ₹15,000 spend).
• UPI spends earn reward points (100 points per ₹5,000).
• Annual reward of 2,000 points for spending ₹5,000+ within 45 days of the annual fee date.
• Lenskart Gold Membership: Complimentary membership worth ₹600 annually.
• TATA CliQ: 10% off up to ₹100 on flights (once per month).
• Amazon Voucher: Receive an Amazon Voucher worth ₹500 on spending ₹5000.
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Insurance Spends
Government Services
Wallet Loads
Utility Spends
EMI Transactions
Cash Withdrawals
Cancelled/Reversed Transactions
For Spends Waiver
Fuel Spends
Insurance Spends
Government Services
Wallet Loads
Utility Spends
EMI Transactions
Cash Withdrawals
Cancelled/Reversed Transactions
| Structure | Details |
|---|---|
Forex Markups   3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.5% |
APR Fees Not applicable — total amount must be paid in full or converted to EMI. | N/A |
ATM Withdrawl A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days). | ₹199 |
Reward Redemption Fees ₹99 + GST reward redemption fee | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra. | 1% |
Rent Payment Fees 1% rent payment fee applies. | 1% |
Cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal. | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees 15% of Total Amount Due from the previous statement (after payments received before due date), subject to a minimum of ₹100 and a maximum of ₹6,000. | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5,000 | ₹750 |
| ₹10,000 | ₹1,500 |
| ₹20,000 | ₹3,000 |
| ₹40,000 | ₹6,000 |
| ₹40,000 and above | ₹6,000 |
TOP USPs
Welcome bonus of 2000 RP worth ₹500
on ₹5,000 spend in 30 days; 1 RP=₹0.25.
Monthly milestone rewards
Earn 200/500/1000 RP at ₹5k/₹10k/₹15k spend each statement month.
Apply Now