IDFC

IDFC FIRST SWYP Credit Card

Check IDFC First SWYP Credit Card eligibility, income criteria, fees, reward/cashback rates, benefits and exclusions. Compare features and apply online.

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IDFC

IDFC FIRST SWYP Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹20000
Credit Score700

Key Highlights

Travel

Save 10% on Flight and Hotel Bookings

via EaseMyTrip on transactions above ₹5,000, up to ₹500 off, once per quarter

Online Food Ordering

Get 10% Off On Zomato

up to ₹100 on orders above ₹299, twice a month

Online Food Ordering

Enjoy 20% Off At Domino’s up to

up to ₹80 on orders above ₹299, twice a month

Grocery Shopping

Save 10% On Groceries up to ₹50

once a month on Zepto purchases of ₹499 or more

Shopping

Get 10% Off At Nykaa up to ₹500

on orders above ₹3,000 once a month across Nykaa Beauty, Nykaa Men and Nykaa Fashion

Travel

Get Railway Lounge Access With 4 Complimentary Visits

per quarter subject to monthly ₹20,000 spend for next month access

Get 10% Off On Zomato up to ₹100

twice a month on orders above ₹299

Get 10% Off At Nykaa up to ₹500

once a month across Nykaa Beauty, Nykaa Men and Nykaa Fashion

Enjoy 20% Off At Domino’s up to

₹80 twice a month on orders above ₹299

Save 10% On Groceries up to ₹50

once a month on Zepto purchases of ₹499 or more

Eligibility

Age Criteria18-65

Applicants must be between 18 and 65 years at the time of application.

Credit Score700

A minimum credit score of 700 and above is recommended for approval

Salaried Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the IDFC First SWYP Credit Card, as per bank eligibility.

Self-employed Income₹3 LPA

Minimum Annual Income of ₹3 LPA is required to apply for the IDFC First SWYP Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee of ₹499 is charged at the time of card issuance as per the bank's policy

Joining Fee OffsetGet 2,000 reward points (worth ₹500) on ₹5,000 spends within 30 days of issuance. Plus 1-year Lenskart Gold Membership.
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank’s spending conditions.

Annual Fee WaiverAnnual fee is waived on 1 successful referral.
Estimated Annual Saving₹20876

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • FIRST Rewards Gallery
  • IDFC FIRST Bank app

 

Earning ExclusionsFuel, Insurance, Government Spends, Wallet Load, EMI Transactions, Cash Advances, Jewellery, Education Fees
Spend ExclusionsFuel, Insurance, Government Spends, Wallet Load, EMI Transactions, Cash Advances, Jewellery, Education Fees

Benefits

All Benefits

  • Monthly milestone reward points (total, not incremental): 200 RP on ₹5,000; 500 RP on ₹10,000; 1,000 RP on ₹15,000; 2,000 RP on ₹30,000; 4,000 RP on ₹60,000 eligible spends per statement cycle
  • Reward points on cumulative rental and utility spends of ₹20,000 or more per billing cycle
  • 100 reward points on every ₹5,000 UPI spends per statement month (requires FIRST Digital RuPay UPI Credit Card at ₹199/year)
  • From 2nd year onwards, 2,000 reward points on spending ₹5,000 within 45 days of annual fee levy
  • 4 complimentary railway lounge visits per quarter, subject to ₹20,000 spend in the previous calendar month

Welcome Benefits

  • Amazon gift voucher worth ₹500 on spending ₹5,000 within the first 30 days of joining fee payment
  • 1,000 reward points on the first successful EMI transaction within 30 days of joining fee payment
  • Complimentary Lenskart Gold Max Membership for 1 year (worth ₹800) on payment of joining fee
  • EaseMyTrip discount coupons worth up to ₹2,100 — ₹700 off on flights or hotel bookings per month for the first 3 months on payment of joining fee
  • MakeMyTrip discount voucher worth ₹1,500 offering 10% off on domestic flights and 20% off on domestic hotels, valid within 90 days of joining fee payment

Flight Benefits

  • EaseMyTrip: 10% off up to ₹500 on domestic hotel and flight bookings above ₹5,000, once per quarter
  • Goibibo: 20% off on domestic hotels and 10% off on domestic flights, once per category per month

Railway Lounge Benefits

  • 4 complimentary railway lounge visits per quarter

Movie Benefits

  • 25% discount on movie tickets up to ₹100 on the District by Zomato app, once per month (promo code: IDFCCCFM)

Dining Benefits

  • Domino's: 20% off up to ₹80 on orders above ₹299, twice a month
  • Zomato: 10% off up to ₹100 on orders above ₹299, twice a month

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver up to ₹200 per month on fuel transactions between ₹200 and ₹5,000 at select fuel stations across India

Bank Offer

  • 10% instant discount up to ₹100 on Tata CLiQ purchases above ₹999, once a month
  • 20% off up to ₹270 on SUGAR Cosmetics on minimum order of ₹1,250, once a month
  • 10% off up to ₹500 on Nykaa Beauty, Nykaa Men and Nykaa Fashion on orders above ₹3,000, once a month
  • 10% off up to ₹50 on Zepto orders above ₹499, once a month
  • Complimentary roadside assistance worth ₹1,399, available 4 times per year via Global Assure

Milestone Benefits

Minimum Spend₹5000
Within30 days
Reward Points Bonus200

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards

FAQ

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