IDFC FIRST SWYP Credit Card
Updated 15 Apr 2026Source-linked
The IDFC FIRST SWYP Credit Card is a entry credit card from IDFC FIRST Bank, with a joining fee of ₹499 + GST.
It earns up to 6% back on online spend spends in the form of reward points (points).
IDFC FIRST SWYP Credit Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- 6% on online spend
- Base 0.50% on other spends
Welcome Benefits
- Not applicable
IDFC FIRSTplatinumentryRewards and Benefits
Rewards Rate
6% on online spend
Base 0.50% on other spends.
Reward Redemption
IDFC FIRST Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
BOGO on Paytm Movies
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- EMI-first design — Spends above ₹2,500 auto-convert to tenure-EMI at 0.99% monthly (interest rate may vary by risk tier).
Fees & Charges
Spend-Based Waiver
₹90,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
0.99% per month (11.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000, capped at ₹200 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by IDFC FIRST Bank.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹90,000.
- Available on the Visa network.
Pros & Cons
Pros
- Annual fee waivable on ₹90,000 spend.
- Accelerated earn rate of 6% on online spend.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 6% on online spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- utilities
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per monthly.
Other benefits
- EMI-first design. Spends above ₹2,500 auto-convert to tenure-EMI at 0.99% monthly (interest rate may vary by risk tier).
Sources
- : www.idfcfirstbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 700+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.