IDFC First SWYP
by IDFC FIRST Bank · Data verified 2 days ago
Lifetime free card with 10X rewards on select categories.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Tiered milestone reward points earning up to 4,000 points per month
- 4 complimentary railway lounge visits per quarter
- Convenient EMI conversion on purchases above ₹2,500
- 1% fuel surcharge waiver up to ₹200 per billing cycle
- Complimentary 24/7 Roadside Assistance worth ₹1,399
Things to Consider
- Joining and annual fee of ₹499 + GST
- No complimentary domestic airport lounge access (unlocked only via referral program)
- Reward points structured around monthly milestones rather than flat per-transaction earn rate
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce BONUS | 10 pts/₹100 | 10X RP on select online categories |
| Other | 1 pts/₹100 | 1 RP per ₹100 |
Travel Insurance
₹2L cover
Fuel Savings
₹200/mo
Lost Card Cover
₹25,000
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •10X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •4 complimentary railway lounge visits per quarter
Special Offers & Features
- •Complimentary 24/7 roadside assistance worth ₹1,399
- •4 complimentary railway lounge visits per quarter
- •4 domestic airport lounge visits on 10 successful referrals
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 12-22% p.a.
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC First SWYP
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC First SWYP
- • Min age: 21 years
- • Salaried: ₹15,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 680+ recommended
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC First SWYP today and unlock amazing rewards and premium experiences.
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