4.2 Rating • IDFC FIRST Bank Bank

IDFC FIRST SWYP Credit Card

Travel Category Reward Points
Reward Rate
Up to 3%
Annual Fee
₹499
Travel General
Processing: 7-10 days
100% Secure
IDFC FIRST Bank BANK
IDFC FIRST
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

IDFC FIRST Bank has just launched an amazing credit card that is specifically designed to cater to the needs of Gen Z. It comes packed with a plethora of benefits like one-year Times Prime membership, free annual membership of Lenskart, 20% discount on Dominos, 10% off on flights or hotels via EaseMyTrip, 10% instant discount on Tata Cliq, and much more! That's not all; you can also avail of a 10% discount on Zomato and a 25% discount on movie tickets via Paytm. Exciting, isn't it? Keep reading to know more about what this incredible card has in store for you. 👇

Quick Overview

Card Type Travel
Bank IDFC FIRST Bank
Annual Fee ₹499
Reward Rate Up to 3%
Reward Type Reward Points
Processing Time 7-10 days
Minimum Income Not specified

Expert Review

IDFC FIRST SWYP Credit Card stands out as a promising option for young individuals seeking flexible payment options, lifestyle benefits, and avenues to build credit responsibly. It empowers you to convert any transaction above ₹3,000 into an EMI for a nominal fee, effectively functioning as a no-interest charge card if managed diligently. You can enjoy exclusive access to railway lounges, Times Prime membership, Lenskart Gold membership, and year-round merchant offers. However, carefully evaluate its fees and reward structure against other available options to ensure the best fit for your financial needs. | Joining Fee | ₹499 | | :---: | :---: | | Annual Fee | ₹499 | | Welcome Bonus | \- 1,000 Reward Points on 1st successful EMI transaction \- 1-year Times Prime Membership on spend of minimum ₹30,000 or more \- Free Lenskart Gold Membership | | Best For | Lifestyle | | Card Network | Mastercard |

Key Features

IDFC FIRST SWYP Credit Card stands out as a promising option for young individuals seeking flexible payment options, lifestyle benefits, and avenues to build credit responsibly. It empowers you to convert any transaction above ₹3,000 into an EMI for a nominal fee, effectively functioning as a no-int...

Key Highlights

Reward Rate

Up to 3%

Annual Fee

₹499

Rating

4.2/5

Category

Travel

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

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.

Limitations

Charges reward redemption fee of ₹

Airport lounge access requires fulfilling referral criteria.

No option of paying minimum amount from card statement.

Fee and Charges

Joining Fee

₹499

Annual Fee

₹499

APR

Not specified

Charge Type Amount
Card Replacement Fee ₹100
Foreign Transaction Fee 3.50%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
Below ₹100 Not specified
₹100 to ₹500 Not specified
₹501 to ₹5,000 Not specified
₹5,001 to ₹10,000 Not specified
₹10,001 to ₹25,000 Not specified
₹25,001 to ₹50,000 Not specified
More than ₹50,000 Not specified

Reward Points Structure

Rewards Category Rate Eligibility
Special Categories Up to 3% Based on card category and benefits
General Spends 1X All other purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Frequent Travelers

Perfect for those who travel frequently and need travel benefits

How to Apply

1

Visit the IDFC FIRST Bank website or nearest branch

2

Navigate to the credit cards section

3

Select the desired credit card

4

Click on "Apply Now" and fill the application form

5

Upload required documents (identity, address, income proof)

6

Submit the application and wait for verification

7

Receive your credit card upon approval

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: Stable income required

Documents Required

Proof of Identity

PAN Card, Aadhaar Card, Passport, Driver's License

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *

Proof of Income

Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement. 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>

Expert Review

Charges
4/5
Rewards
4/5
Customer Service
4/5

Detailed Analysis

The IDFC FIRST SWYP Credit Card stands out as a solid choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for travel enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of ₹499 and other associated charges. These factors should be weighed against the benefits offered.

Overall, the IDFC FIRST SWYP Credit Card is a good option for those who want a travel credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank IDFC FIRST Bank
Category Travel
Rating 4.2
Reward Type Reward Points

Best Suited For

Travel
General

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