IDFC FIRST SWYP Credit Card
IDFC FIRST SWYP Credit Card
Youth-oriented card
Rewards/discounts on Tata CLiQ, Nykaa, Dominos
UPI on RuPay
Personalized Match by CredHunt • credhunt.com
Digital-first credit card focused on shopping and entertainment benefits with flexible reward redemption options
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Youth-oriented card
Rewards/discounts on Tata CLiQ, Nykaa, Dominos
UPI on RuPay
4 railway lounge visits quarterly
Not eligible for overdue interest charges
Integrated with Aura online
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
1 reward point per ₹150 on all other spends
Point Value
1 RP = ₹0.25
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Welcome gift vouchers worth ₹2,500
Accelerated Rewards
5X rewards on SmartBuy portal; accelerated rewards on travel bookings
Card Benefits
Travel Benefits
1 visit/quarter
6 complimentary lounge visits at over 1,000 lounges worldwide
Dining & Entertainment
15% discount on select restaurant partners
1+1 monthly tickets
Lifestyle & Protection
Noise smartwatches
Credit shield cover in case of death of primary cardholder
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver (₹400-₹5,000) |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on annual spends of ₹1.2 Lakh
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹12L+
Expert Opinion
Premium metal card with no daily capping on rewards, making it excellent for those who can utilize SmartBuy heavily and qualify for quarterly milestone benefits
Customer Reviews
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Experience the premium benefits of the IDFC FIRST SWYP Credit Card today.