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Idfc Bank First Swyp Credit Card

The FIRST SWYP Credit Card by IDFC Bank is an innovative offering in the Indian credit card market. It offers an array of benefits, including reward points and discounts on popular brands like Tata CLiQ, Zomato, and Dominos, making it highly appealing to youngsters. The card can be availed at a low joining fee of Rs. 499 and can even be linked to your UPI apps. What makes this card unique is that at the end of each cycle, you must pay the total amount due or convert it into easy EMI spends. Unlike conventional credit cards, you won’t have to pay hefty interest with this credit card. If unable to clear your dues, you can simply convert your spends into flexible EMIs, starting from a tenure of 3 months and a minimum transaction of Rs. 2,500.

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Idfc Bank First Swyp Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

1,000 RPs on First EMI Transaction, 1 Year Lenskart Gold Membership & 1-Year Times Prime Membership

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reward and benefits +

Travel

4 Free Railway Lounge Access Each Quarter

Reward Redemption

Points Can be Redeemed at IDFC First Rewards. Pay With Points Facility Also Available

Movie & Dining

25% Discounts on Movie Tickets

Rewards Rate

200, 500, and 1,000 RPs on Spends of Rs. 5,000, 10,000, and 15,000 Respectively

Insurance Benefits

Complimentary Insurance Covers are Provided

free & charges +

Rewards Redemption Fee

Rs. 99

Fuel Surcharge

1% Up to Rs. 200 (Monthly)

Foreign Currency Markup

3.5%

Cash Advance Charges

Rs. 199

product details +

  • Reasonable joining fee of Rs. 499.
  • Easily convert your spends into EMIs.
  • Complimentary railway lounge access is provided.
  • Plenty of welcome benefits are offered with this card.

pros / cons +

Pros

  • There are numerous welcome benefits associated with this card, such as a free Lenskart Gold membership, 1,000 Reward Points, and Free Times Prime membership.
  • This card comes at an affordable joining/annual charge of Rs. 499.

Cons

  • While this card grants complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria.
  • You must either pay your full amount due by the due date or convert your pending balance into EMI. Paying the minimum amount due is not an option.