FIRST SWYP Credit Card
Issuer: IDFC First Bank
Network: Visa | Tier: Entry
IDFC FIRST credit card offering rewards, lifestyle benefits and digital convenience.
Fees & Charges
| Annual Fee | ₹499 (waived on eligible annual spends of ₹10 lakh) |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | Not Applicable – no revolving credit facility; card member must pay Total Amount Due in full or convert eligible balance to EMI |
| Foreign Markup | 3.50% on foreign currency / DCC transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
Rewards & Benefits
| Reward Rate | Accelerated online/dining rewards |
|---|---|
| Welcome Bonus | Lifestyle partner offers |
| Lounge Access | Limited domestic lounge access |
| Best For | Young professionals seeking a spend-discipline credit card with EMI flexibility |
Key Highlights
- Reward points
- Lifestyle offers
- Fuel surcharge waiver
- Digital features"
Eligibility Criteria
- Age 18+
- Good credit score
- As per bank eligibility"
Minimum Income Required: Young professionals
Pros
- Competitive benefits
- Flexible usage"
Cons
- Benefits vary by card variant
Expert Rating: 4/5