IDFC SWYP Credit Card
The IDFC FIRST SWYP Credit Card has a membership fee of Rs 499, and it offers discounts of up to 20% on some well-known online portals and brands along with benefit rewards based on monthly spending milestones. This card earns you rewards on certain monthly milestones unlike most credit cards that reward you for every spend; hence, you earn a decent rewards rate on expenses incurred.
IDFC FIRST SWYP Credit Card Fee & Charges
| Fee Type | Amount Charged |
| Joining Fee | Rs 499 plus GST |
| Renewal Fee | Rs 499 plus GST |
| Redemption Fee for Rewards | Rs 99 |
| Markup on Foreign Currency | 3.5% |
| Charges for Cash Advances | Rs 199 |
| Fuel Transaction Fee |
How to apply for an IDFC FIRST SWYP Credit Card?
Here's a step-by-step guide on how to apply for the IDFC FIRST SWYP Credit Card:
- Go to IDFC FIRST Bank's official website and select the IDFC FIRST SWYP Credit Card option.
- Find the "Apply Now" button on the page and click it.
- Fill in the application form. Enter your personal, financial, and employment details accurately.
- Provide scanned copies of your identity proof (PAN card, Aadhaar card, or passport), address proof (passport, driving license, utility bill, or bank statement), and income proof (salary slip or ITR).
- Once you've filled in all the details and uploaded the documents, click on the "Submit" button.
IDFC Swyp Credit Card Eligibility
- Be between 18 and 60 years old
- Have a minimum annual income of R 2.5 lakh
- Have a stable income from employment as a salaried or self-employed individual
- Provide proof of identity, address, and income
Documents Required for IDFC Swyp Credit Card
| Category | Accepted Documents |
| Proof of identity | PAN Card, Aadhaar Card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job Card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof. |
| Proof of Address | Any government-approved evidence of address, such as an Aadhaar card, driver's license, passport, utility bill (no older than three months), ration card, property registration document, Person of Indian Origin card, NREGA job card, bank account statement, or other. |
| Proof of Income | The most recent one or two salary slips (no older than three months), the most recent Form 16, and the last three months' bank statement. |
IDFC Swyp Credit Card Benefits
- Save 25% on movie tickets (up to Rs 100) and more throughout the year at your favorite stores, including Domino's, EaseMyTrip, SUGAR Cosmetics, TATA CliQ, and Zomato.
- Spend Rs 5,000 to receive 2,000 Reward Points worth Rs 500, and within 30 days of your first EMI conversion, you will receive an extra 1,000 Reward Points worth Rs 250.
- Get a free Lenskart Gold Membership and Rs 2,100* in EaseMyTrip discount coupons.
- For just Rs 199+GST, you may enable UPI and receive Rs 200 in cashback* in addition to other benefits.
- Convert your purchases into affordable EMIs with monthly payments starting as low as Rs 49+GST, depending on transaction volume.
- Receive 2,000 Reward Points worth Rs 500 when you spend Rs 5,000 within 45 days of paying the annual charge for the renewal offer.
- Enjoy free roadside assistance worth Rs 1,399, personal accident cover of Rs 200,000, and lost card liability cover of Rs 25,000.
- Benefit from a 1% fuel surcharge waiver up to Rs 200.
- Avail 4 complimentary railway lounge visits per quarter.
- Refer FIRST SWYP to your friends and receive benefits such as subscription fee waivers and airport lounge access.
- All these perks for an annual subscription fee of Rs 499+GST.
- Pay your statement balance in full or convert eligible purchases into EMI; no option to revolve.
IDFC FIRST Credit Card Offers
| Brand | Offer | Frequency |
| Dominos | Get 20% off up to Rs 80 on orders above Rs 299 | Twice a month |
| EaseMyTrip | Get a 10% discount up to Rs 500 on flights or hotels for transactions above Rs 5,000 | Once per quarter |
| SUGAR Cosmetics | Get 20% off up to Rs 270 on a minimum purchase of Rs 1,250 (Code: IDFCSWYP). | Once online and once offline every month |
| TATA CliQ | 10% instant discount up to Rs 100 on purchases above Rs 999 | Once a month |
| Zomato | 10% off up to Rs 100 on orders above Rs 299 | Twice a month |
Steps to Apply
- Click on the red button
- You will be redirected to the IDFC Bank Credit Cards page
- Complete the application in the same session