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IDFC FIRST Bank SWYP Credit Card

Unlock seamless payment flexibility with the IDFC FIRST Bank SWYP Credit Card. Enjoy Easy EMIs, no processing fees, exclusive discounts, exciting rewards, and affordable fees, plus a valuable referral programme.

Joining Fee ₹499

Offers 10% Off on Zomato Orders Above ₹299

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The IDFC FIRST Bank SWYP Credit Card is designed to offer seamless payment flexibility. It allows you to convert purchases into EMIs at a flat monthly fee, with no additional processing charges on eligible transactions. Along with easy payment options, the card provides exclusive discounts throughout the year from leading brands. This combination of convenience and savings makes it a practical choice for frequent shoppers.

IDFC FIRST SWYP Credit Card Features and Benefits

The IDFC FIRST Bank SWYP Credit Card offers its customers with a wide variety of travel, shopping, and entertainment features and benefits for new cardholders:

Welcome Benefits:

1. EaseMyTrip Discount Coupons

Receive EaseMyTrip discount coupons worth ₹2,100 upon paying the joining fee, offering significant savings on your travel bookings.

2. Lenskart Gold Membership

Get a complimentary 1-year Lenskart Gold membership worth ₹600 upon paying the joining fee.

Travel Benefits:

1. EaseMyTrip Domestic Flight Booking Discounts

Enjoy ₹500 off on one-way domestic flights for bookings over ₹5,000, and ₹700 off on round-trip domestic bookings over ₹7,000, on paying the joining fee.

2. EaseMyTrip Domestic Hotel Booking Discount

Receive a ₹700 discount on domestic hotel bookings with a minimum spend of ₹4,000, offering substantial savings on your next trip, on paying the joining fee.

3. EaseMyTrip Travel Discount

Get 10% off, up to ₹500, on flight or hotel bookings worth ₹5,000 or more via EaseMyTrip, available once per month.

4. Railway Lounge Access

Enjoy 4 complimentary railway lounge visits every quarter, allowing you to relax during your travels across India.

Shopping & Dining Discounts:

The IDFC SWYP FIRST Credit Card offers lifestyle‑focused savings across food delivery, dining, cosmetics, and online shopping.

1. Zomato Discount

Receive 10% off, up to ₹100, on Zomato orders above ₹299, available twice a month.

2. Domino's Discount

Get 20% off, up to ₹80, on orders from Domino’s above ₹299, applicable two times a month.

3. SUGAR Cosmetics Discount

Receive 20% off, up to ₹270, on purchases over ₹1,250, valid at both online and offline stores, twice a month.

4. Tata CLiQ Discount

Enjoy 10% off, up to ₹100, on purchases over ₹999 on Tata CLiQ, available once per month.

Entertainment Benefits:

1. Paytm Movies Discount

Get 25% off, up to ₹100, on Paytm Movies once per month, making movie outings more affordable.

Other Benefits:

1. Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on your fuel transactions, with savings of up to ₹200 per month, adding convenience and cost efficiency.

2. Complimentary Roadside Assistance

Benefit from complimentary roadside assistance services across India, up to four times a year, with a total value of ₹1,399.

IDFC FIRST Bank SWYP Credit Card Rewards Program

The IDFC FIRST SWYP Credit Card allows you to earn reward points on various transactions and milestone spends. Here is how you can maximise your points and redeem them for exciting offers:

A. Reward Points:

You can collect reward points through different types of spending. Here is a quick summary:

Earn 2,000 reward points when you spend ₹5,000 within 30 days of card issuance

Earn 1,000 reward points on your first EMI conversion within 30 days of card issuance

Earn 200 reward points on spending more than ₹5,000 in a statement month

Earn 500 reward points on spending more than ₹10,000 in a statement month

Earn 1,000 reward points on spending more than ₹15,000 in a statement month

Earn 100 reward points for every ₹5,000 spent via UPI in a statement month

Earn 400 reward points on rental and utility spends of ₹20,000 or in a statement month

Here is an example of how you can earn reward points based on different transactions:

Transaction Type	Amount (₹)	Reward Points Earned
Grocery Shopping	₹5,000	200
EMI Conversion	₹10,000	1000
UPI Spend	₹10,000	200
Rent Payment	₹20,000	400
Total	₹45,000	1,800

Note: The example given above is for illustration purposes only.

B. Redemption Process:

Once you have accumulated enough reward points, you can redeem them for:

Various e-vouchers and shopping deals

Hotel and flight bookings

Exciting discounts on partner platforms

You can redeem your reward points simply by logging into your IDFC FIRST Bank account via netbanking or the IDFC FIRST Bank mobile app. The points you have accumulated can be redeemed for a wide range of products and services. Please note that a ₹99 redemption fee applies per transaction.

C. Example of Savings

Here’s an example of how much you could potentially save on an annual basis through reward points from regular monthly transactions:

Transaction Category	Monthly Spends (₹)	Reward Points Earned	Saving Per Month (₹)
UPI Spend	₹10,000	200	₹ 50
Rent Payment	₹ 20,000	400	₹ 100
Grocery Shopping	₹ 10,000	500	₹ 50
Total Monthly Savings	₹ 45,000	2100	₹ 200

Disclaimer: This example is for illustrative purposes only, and actual savings may vary depending on the cardholder’s spending patterns.

This example shows how reward points can convert into potential savings on your regular monthly transactions, where 1 reward point equals ₹0.25.

D. Expiration of Reward Points

Reward points earned with the IDFC FIRST Bank SWYP Credit Card do not expire, giving you the flexibility to accumulate and redeem them at your convenience.

IDFC FIRST SWYP Credit Card Annual Charges and Fees

Here are the charges applicable with the IDFC FIRST Bank SWYP Credit Card:

Fee Type	Amount
Joining Fees	₹499
Annual Fees	₹499
Late Payment Charges	NIL to ₹3,000
Finance Charges	NIL
UPI Joining & Annual Fees	₹ 199
Card Replacement Fees	₹100
Domestic Cash Advance Fees	₹199
International Cash Advance Fees	₹199
Reward Redemption Fees	₹99

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

IDFC FIRST SWYP Credit Card Eligibility Criteria

To apply for this credit card, you will need to meet the following eligibility criteria:

The IDFC FIRST Bank SWYP Credit Card requires applicants to be Indian residents aged 21+ with annual income of ₹3L+ and either salaried or self-employed employment. A good CIBIL score of 750+ significantly improves approval chances for this EMI-focused card.

Eligibility Table

Criterion	Requirement
Age	21-60 years (salaried); 25-60 (self-employed)
Employment	Salaried or self-employed
Minimum Income	₹25,000/month (₹3L+ p.a.)
CIBIL Score	750+ (recommended)

Documents Required for IDFC FIRST SWYP Credit Card

When applying for this IDFC FIRST Bank credit card, you will need to submit certain documents. These include:

Identity proof, such as your Aadhaar card, PAN card, or passport

Address proof including your Aadhaar card or utility bills

Income proof must also be submitted, such as your latest salary payslip, Income Tax Returns, or Form 60

How to Apply for IDFC FIRST SWYP Credit Card Online

Applying for the IDFC FIRST Bank SWYP Credit Card is a simple, fully online process. Follow this step-by-step guide to apply on Bajaj Markets:

IDFC FIRST SWYP Credit Card Apply Steps

Visit Bajaj Markets website or app.
Search for IDFC SWYP Credit Card.
Fill application form with personal, income details.
Upload KYC documents (Aadhaar, PAN, income proof).
Get instant approval and card dispatch

Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

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Interest Rate

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Tenure

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IDFC FIRST SWYP Credit Card Customer Care

For any queries or assistance regarding your IDFC FIRST Bank SWYP Credit Card, you can easily reach customer care through the following channels:

Customer Care Hotline: 1800-10-888

Customer Care Email: banker@idfcfirstbank.com

WhatsApp Support: Send a 'Hi' to 9555-555-555 for instant assistance from a representative

International Customer Care: +91-22-6248-5152 (for support while travelling abroad)

Corporate Office: IDFC FIRST Bank Limited, The Square, C-61, G Block, Ground to 8th Floor, Bandra Kurla Complex, Bandra East, Mumbai – 400051

Registered Office: IDFC FIRST Bank Ltd., KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India

Country-wise Contact Numbers for NRIs:

Explore More IDFC First Credit Cards

Idfc first bank credit card	Idfc first bank wealth credit card
Idfc first classic credit card	Idfc first bank earn credit card
Idfc first bank wow credit card	Idfc first bank power credit card
Idfc first bank millennia credit card	Idfc select credit card
Idfc first bank premium credit cards

Country	Phone Number	Type
United States of America (USA)	1833-703-9805	Toll Free
Canada	1833-703-9811	Toll Free
United Kingdom (UK)	0-8000-478-414	Toll Free
Singapore	800-101-4006	Toll Free
Australia	1800-314-585	Toll Free
United Arab Emirates (UAE)	8000-187-922	Toll Free
Saudi Arabia	800-850-0980	Toll Free
Oman	800-74528	Toll Free
Qatar	00-800-100-089	Toll Free
Bahrain	800-06082	Toll Free
Germany	800-181-5050	Toll Free
Hong Kong	+852-3008-2199	Local Call
Belgium	+32-289-629-86	Local Call
Ireland	+353-1-571-2658	Local Call
Italy	+39-02-3057-8885	Local Call
Spain	+34-935-472-751	Local Call
Netherlands	+31-20-797-1718	Local Call
Switzerland	+41-22-544-9992	Local Call

IDFC FIRST Bank SWYP Credit Card vs Others

Here is a comparison of several credit cards offered by IDFC FIRST Bank, highlighting their benefits across various categories. Review the options before applying for the IDFC FIRST SWYP Credit Card:

Card Name	Cashback	Complimentary Airport Lounge Access	Fuel Surcharge Waiver	10X Reward Points
FIRST SWYP Credit Card	✔	✘	✔	✘
FIRST Select Credit Card	✔	✔	✔	✔
FIRST Power+ Credit Card	✔	✔	✔	✘
FIRST Power Credit Card	✔	✘	✔	✘
FIRST Classic Credit Card	✔	✘	✔	✔
FIRST Millennia Credit Card	✔	✘	✔	✔
FIRST WOW! Credit Card	✔	✘	✘	✘
FIRST Wealth Credit Card	✔	✔	✔	✔
FIRST EA₹N Virtual Credit Card	✔	✘	✘	✘

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Based on the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Xerxes Bhathena

Financial Content Specialist

Reviewer

Roshani Ballal

FAQs on IDFC FIRST SWYP Credit Card

What is the SWYP Credit Card?

The IDFC FIRST Bank SWYP Credit Card is an EMI-focused lifestyle card designed for millennials, offering flexible payment options to pay bills in full or convert purchases into Easy EMIs with flat monthly fees and no processing charges. It provides cashback on dining, OTT subscriptions, travel bookings, plus rewards and discounts, making it ideal for modern spending unlike traditional credit cards.

Who has IDFC FIRST Bank collaborated with for the SWYP Credit Card?

IDFC FIRST Bank has partnered with Mastercard for the FIRST SWYP Credit Card, focusing on providing flexible EMI facilities, payment options, exciting offers, and a rewarding referral programme.

Is there a joining fee or annual fee for the IDFC FIRST SWYP Credit Card?

Yes, the IDFC FIRST Bank SWYP Credit Card has a joining fee of ₹499 + applicable taxes for the first year, and an annual subscription fee of ₹499 + applicable taxes from the second year onwards. You can earn 2,000 Reward Points worth ₹500 on spending over ₹5,000 within the first 30 days of card issuance. Additionally, the joining fee is waived on successfully referring a customer through the referral program.

What is the interest rate on the IDFC FIRST SWYP Credit Card?

The IDFC FIRST Bank SWYP Credit Card does not have an interest rate. Instead, you pay a flat EMI conversion fee along with applicable GST. No other processing charges are levied for converting your transactions into EMIs.

When can I claim referral benefits from the IDFC FIRST SWYP Referral Program?

The IDFC FIRST Bank SWYP Referral Programme allows you to refer another customer, and upon successful enrolment, your joining fee will be waived on the first referral. Benefits will be credited to your account within 30 to 45 days of the successful referral. Customers are eligible for referral benefits on up to 10 successful referrals.

Can I withdraw cash using the IDFC FIRST SWYP Credit Card?

Yes, you can use your IDFC FIRST Bank SWYP Credit Card to withdraw cash from ATMs, up to your applicable cash limit. A cash advance fee of ₹199 + GST is applied per transaction. The maximum cash withdrawal limit per transaction is ₹10,000.

What are the benefits of the IDFC SWYP Credit Card?

The IDFC FIRST Bank SWYP Credit Card offers OTT discounts on subscriptions, dining cashback up to 20%, travel perks via EaseMyTrip, ₹2,100+ welcome benefits (Lenskart Gold membership, vouchers), and low annual fee waivable via spends/referrals. Additional perks include fuel waiver and railway lounge access.

How to apply for IDFC SWYP Credit Card online?

Visit Bajaj Markets or IDFC FIRST Bank website, check eligibility with mobile/PAN, fill income details, upload KYC, and submit. Get instant approval with virtual card activation for immediate use on UPI/online transactions.

What is the credit limit on IDFC SWYP Credit Card?

The IDFC FIRST Bank SWYP Credit Card credit limit is income-based, typically ranging from ₹50,000 to ₹5,00,000 depending on salary, CIBIL score, and existing debts. Higher earners with strong credit profiles qualify for premium limits.