IDFC FIRST Bank
IDFC FIRST SWYP Credit Card
Annual Fee
₹499
Base Reward
1% points
Foreign Markup
3.50%
Welcome Benefits
1,000 Reward Points on 1st successful EMI transaction within the first 30 days from card issuance, 1-year Times Prime Membership on spending of a minimum ₹30,000 or more within the first 90 days of credit card issuance, Free Lenskart Gold Membership for 1 year on payment of joining fee
Product Highlights
- Convert eligible transactions into EMIs at any point
- Welcome offers like Times Prime membership and Lenskart Gold membership upon joining and meeting spending thresholds
- Free roadside assistance, access to railway lounges, and discounts at various partner merchants
Category Rewards
entertainment
25% Discount on movie tickets
25% Discount on movie tickets
dining
20% Discount on Domino's
20% Discount on Domino's
travel
10% Off on flights or hotels
10% Off on flights or hotels
shopping
10% Instant Discount on TataCliQ
10% Instant Discount on TataCliQ
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Paytm
online(on movie tickets)
Dominos
online(up to ₹80 on orders above ₹299, valid 2 times in a month)
EaseMyTrip
online(up to ₹500 on transaction value above ₹5,000, valid once per quarter)
TataCliQ
online(up to ₹100 on purchases over ₹999, valid once per month)
Zomato
online(up to ₹100 on orders above ₹299)
Rewards Details
200 Reward Points on spending ₹5,000 monthly, 500 Reward Points on monthly spend of ₹10,000, 1,000 Reward Points on monthly spend of ₹15,000. 10% off on flights or hotels via EaseMyTrip, 20% discount on Dominos, 10% instant discount on Tata Cliq, 10% discount on Zomato, 25% discount on movie tickets via Paytm.
- Reward Point Value ₹0.25
Benefits & Features
Domestic: 4 free railway lounge access in a calendar quarter Access to railway lounges
Pros & Cons
Pros
- Convert eligible transactions into EMIs at any point
- Welcome offers like Times Prime membership and Lenskart Gold membership upon joining and meeting spending thresholds
- Free roadside assistance, access to railway lounges, and discounts at various partner merchants
Cons
- Charges reward redemption fee of ₹99
- Airport lounge access requires fulfilling referral criteria
- No option of paying minimum amount from card statement
Partner Merchants
Fees & Charges
Eligibility
Min Age
18 yrs
Networks