IDFC Bank FIRST SWYP Credit Card
The IDFC Bank FIRST SWYP Credit Card by IDFC Bank offers a fresh and attractive choice for cardholders in India. With perks like reward points and discounts on popular brands such as Tata CLiQ, Zomato, Sugar, and Domino’s, it’s especially appealing to younger users. The card comes with a low joining fee of ₹499 and can be easily connected to UPI apps for added convenience.
What makes this IDFC Bank FIRST SWYP Credit Card stand out is its flexible payment options. At the end of each billing cycle, you can either pay the full balance or convert it into easy EMIs. Unlike traditional credit cards, it doesn't come with high interest charges. If you’re unable to pay in full, you can choose EMIs starting from 3 months, with a minimum transaction of ₹2,500, giving you more control over your payments.
Rewards and Benefits
Fees & Charges
Does the IDFC FIRST SWYP Credit Card have a joining or annual fee?
Yes, the card has an annual fee of ₹499 + GST. The first-year joining fee of ₹499 + GST can be waived with a successful referral.
What benefits do I get for paying the joining fee?
You get 1,000 Reward Points for your first EMI transaction within 30 days, a one-year Times Prime Membership for spending ₹30,000 in 90 days, and a free Lenskart Gold Membership.
What are the charges for converting purchases into EMI?
EMI conversion starts from ₹49 + GST.
Do Reward Points expire?
No, your Reward Points remain valid indefinitely.
When will my credit card statement be generated?
Statements are issued on the 17th of each month, subject to change if it falls on a holiday.
Is there a limit to referrals?
No, but referral benefits apply only to the first 10 successful referrals where the referred card stays active for a year.
What is an Eligible Balance for EMI conversion?
The total due amount, excluding existing EMIs and fees, can be converted into EMIs with a flat fee.
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