IDFC FIRST SWYP Credit Card -

IDFC FIRST SWYP Credit Card

(4.2)

The IDFC FIRST SWYP Credit Card is a new lifestyle credit card designed especially for young professionals, students, and new-to-credit users. It offers a range of smart benefits on popular spending categories like food delivery, travel bookings, and online shopping. With a low annual fee of ₹499 (which can be waived), the card gives excellent value through milestone rewards, brand discounts, and EMI conversion options. What makes this card unique is its simple and clear rewards structure—you can earn up to 1,000 bonus reward points every month by spending on regular things like food, rent, and shopping.

In addition to rewards, the SWYP card also provides useful perks like complimentary lounge access at railway stations, free roadside assistance, and fuel surcharge waivers. IDFC has also added a referral program that allows cardholders to save even more or get fee waivers. Another standout feature is the ability to convert large purchases into no-interest EMIs with a small fixed fee.

Overall, the SWYP card is designed for people who want to manage their expenses smartly, build credit history, and enjoy lifestyle benefits without paying high fees. It’s a great starting card for beginners or a solid addition for experienced users looking for flexible payment options.

About IDFC SWYP Credit Card

Get discount coupons worth Rs 2,100 on EaseMyTrip on payment of joining fee
⁠Get complimentary Lenskart Gold Membership for 1 year on payment of joining fee
Get 1000 Reward Points on 1st successful EMI transaction within first 30 days from card issuance (1RP = Rs 0.25)
Get 2000 Reward Points worth Rs 500 on spending Rs 5,000 or more within first 30 days of card issuance (1RP = Rs 0.25)

Other Amazing Offers

Discount of 20% (upto Rs 80) on orders above Rs 299 on Dominos twice every month
10% off on Flights or Hotels (upto Rs 500) on transaction value above Rs 5,000 on EaseMyTrip once every quarter
20% off (upto Rs 270) on a min spend of Rs 1,250 on Sugar Cosmetics twice every month
10% instant discount (upto Rs 100) on purchases over Rs 999 on TataCliq once every month
⁠Discount of 10% (upto Rs 100) on orders above Rs 299 on Zomato twice every month
⁠25% off (upto Rs 100) with FIRST SWYP Credit Card on Paytm Movies once every month
4 Complimentary Railway Lounge visits per quarter
Fuel surcharge waiver of 1% (upto Rs 200/month)
⁠Complimentary Road Side Assistance (RSA) all over India, upto 4 times in a year worth Rs 1,399

Partner Discounts

10% Instant discount on Flipkart
10% Instant discount on Myntra, AJIO, Tata CliQ and 1MG
15% Instant discount on Tata CliQ Palette , Sugar cosmetics and Zomato
10-20% Instant discount on Travel bookings on Yatra, Adani one, MMT, GoIbibo etc.
See all offers here: https://idfcfirstrewards.poshvine.com/offers

Fees & charges

Joining Fees: Rs 499 + GST
Annual Fees: Rs 499 + GST (2nd year onwards)

Pros

Convert eligible transactions into EMIs at any point.
Welcome offers like Times Prime membership and Lenskart Gold membership upon joining and meeting spending thresholds.
Free roadside assistance, access to railway lounges, and discounts at various partner merchants.

Cons

Charges reward redemption fee of ₹99.
Airport lounge access requires fulfilling referral criteria.
No option of paying minimum amount from card statement.

Conclusion

The IDFC FIRST SWYP Credit Card is a smart and affordable choice for people who want simple rewards, good discounts, and easy EMI options. It’s great for those who spend regularly on food, travel, and shopping. If you use it well and take advantage of its offers, it can save you money and give you useful benefits throughout the year.

Eligibility Criteria

Employment Status: Salaried or Self-employed
Income: Rs. 25000 per month
Minimum Cibil Score Required: 750+
Required Age: 21-60 years (Salaried), 25-60 years (Self employed)

Documents Needed

PAN Card/Form 60
Colour photograph
Address proof
ID Proof
Income proof