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Credit Cards · India

IDFC FIRST SWYP Credit Card

Updated 3 Jul 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 10 pts per ₹150 (≈1.5% value) on incremental monthly above 20k spends in the form of reward points (points).

IDFC FIRST Bank logo
IDFC FIRST SWYP Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹150 on incremental monthly above 20k
  • Base 0.44% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
IDFC FIRST Bank logoIDFC FIRSTVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
10 pts per ₹150 on incremental monthly above 20k
Base 0.44% 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).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹66/mo
  • Groceries₹8,000 · 0.4% = ₹35/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹35/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹44/mo
  • Utilities & bills₹5,000 · 0.4% = ₹22/mo
Est.net rewards for this spend, realistic
₹2,429/yr

₹2,429 rewards − ₹0 annual fee. Estimate for the spend you entered.

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.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 10 pts per ₹150 on incremental monthly above 20k
    10X on incremental monthly spends above ₹20,000; 3X (base) up to ₹20,000.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

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

Last verified 3 Jul 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.
Tagsemi firstentrypoints