IDFC Bank FIRST SWYP Credit Card
Joining Fee: ₹499 + GST
Renewal Fee: ₹499 + GST
Reward Type: Reward Points
Welcome Benefits
Lenskart Gold Membership: Receive a complimentary Lenskart Gold membership upon successful payment of the joining fee.
EMI Transaction Bonus: Earn 1,000 Reward Points for the first EMI transaction made within 30 days of card issuance.
Spending Bonus: Get 2,000 Reward Points (worth ₹500) for spending ₹5,000 or more within the first 30 days of card issuance (applicable only to FIRST SWYP Credit Cards issued after 4 April 2024).
EaseMyTrip Discount Coupons: Receive discount coupons worth ₹2,100 on EaseMyTrip upon payment of the joining fee.
Times Prime Membership: Earn a 1-year Times Prime membership by spending ₹30,000 within 90 days of card issuance (not applicable to cards issued after 4 April 2024).
Reward Rate
Monthly Milestone Rewards:
Earn 200 Reward Points for monthly spends of ₹5,000.
Earn 500 Reward Points for monthly spends of ₹10,000.
Earn 1,000 Reward Points for monthly spends of ₹15,000.
Earn 400 Reward Points for a minimum monthly rental spend of ₹20,000.
Note: These milestone rewards are not incremental; for example, spending ₹17,000 will only earn 1,000 Reward Points. Cash withdrawals, utility spends, and fuel transactions do not count towards monthly milestone spends.
- Reward Point Value: 1 Reward Point = ₹0.25.
Referral Benefits
| Number of Referrals | Referral Benefit | Benefit Value |
|---|---|---|
| 1 | Annual Fee Waiver | ₹499 |
| 3 | 4,000 Reward Points Bonus | ₹1,000 |
| 5 | EMI Fee Waiver (Up to) | ₹1,500 |
| 7 | Movie Vouchers | ₹2,000 |
| 9 | Cashback | ₹2,500 |
| 10 | 4 Free Domestic Airport Lounge Passes | ₹3,800 |
This table outlines the benefits you can earn by referring others to the IDFC FIRST SWYP Credit Card, with a potential value of up to ₹11,299.
Railway Lounge Access
Complimentary Visits: Enjoy 4 free railway lounge accesses each quarter, totaling 16 visits per year.
Lounge Benefits:
Unlimited tea and coffee.
2 hours of lounge stay.
Comfortable, air-conditioned seating area.
Free Wi-Fi.
One complimentary buffet meal.
Movie Offers
Discount on Movie Tickets: Get 25% off up to ₹100 on movie tickets booked via Paytm using the promo code IDFCCCFM, valid once per month.
UPI Enabled
UPI Transactions: Earn 100 Reward Points on UPI spends of ₹5,000 using the FIRST SWYP Credit Card. A fee of ₹199 + GST per annum applies for this facility.
Roadside Assistance
Global Assure: Receive roadside assistance worth ₹1,399 up to four times a year through Global Assure.
Exclusive Discounts
Dominos: Enjoy a 20% discount, up to ₹80, on orders of ₹299 or more. This offer can be redeemed twice a month.
Tata CLiQ: Benefit from an instant 10% discount, up to ₹100, on purchases over ₹999. This offer can be used once per month.
Zomato: Avail a 10% discount, up to ₹100, on orders above ₹299. This discount is available twice a month.
EaseMyTrip: Receive a 10% discount, up to ₹500, on hotel and flight bookings over ₹5,000. This offer is available once per quarter.
Sugar: Get 20% off, up to ₹270, on a minimum spend of ₹1,250. This discount is applicable once per month both on the Sugar Cosmetics website/app and at Sugar brand offline stores.
Summary
The IDFC Bank FIRST SWYP Credit Card is a standout option, offering unique features like easy EMI conversions starting at ₹49, which eliminates minimum dues and interest charges. Ideal for young shoppers and students, it provides up to 16 free railway lounge accesses annually. Referring others can earn you up to ₹11,000 in additional benefits. With its range of introductory perks, monthly rewards, and brand discounts, this card delivers comprehensive benefits for an enhanced lifestyle. Apply via CardInsider to unlock these advantages.