Basic Information

Welcome Benefits Amazon Gift Voucher: ₹500 on spending ₹5,000 within first 30 days of joining fee payment
First EMI Reward: 1,000 Reward Points on first successful EMI transaction within first 30 days
MakeMyTrip: Discounts worth ₹1,500
EaseMyTrip: Discounts up to ₹2,100
Lenskart: Gold Max Membership for 1 year
Mokobara: 10% off on first transaction

Card Details Card Name: FIRST SWYP Credit Card
Bank Name: IDFC FIRST Bank
Card Type: Lifestyle / EMI Credit Card

Payment Network Network: Not specified on current official SWYP product page

Eligibility Eligibility: Bank's applicable eligibility criteria; specific minimum income/age not stated on current SWYP product page

Rewards Program

Reward Points ₹5,000 Eligible Monthly Spend: 200 Reward Points
₹10,000 Eligible Monthly Spend: 500 Reward Points total
₹15,000 Eligible Monthly Spend: 1,000 Reward Points total
₹30,000 Eligible Monthly Spend: 2,000 Reward Points total
₹60,000 Eligible Monthly Spend: 4,000 Reward Points total
Reward Value: 1 Reward Point = ₹0.25
Expiry: No expiry

Cashback Cashback: Referral programme includes cashback benefits; regular SWYP cashback rate not specified

Redemption Redemption Options: Online purchases / select physical stores / eligible reward offers
Redemption Fee: ₹99 + applicable taxes per redemption

Milestone Rewards Monthly Milestone: Up to 4,000 Reward Points worth ₹1,000 on ₹60,000 eligible monthly spends
₹20,000 Education/FASTag/Railway Spend: 400 Reward Points
₹40,000 Education/FASTag/Railway Spend: 800 Reward Points total

Travel Benefits

Railway Lounge Complimentary Visits: 4 per quarter
Spend Requirement: ₹20,000 spend in current calendar month
Access: Qualifying spend provides access in following month

Travel Offers MakeMyTrip: ₹500 off domestic one-way flight on ₹5,000 spend; ₹700 off domestic round-trip flight on ₹7,000 spend; ₹800 off domestic hotel on ₹8,000 spend
EaseMyTrip: ₹500 off one-way domestic flight on ₹5,000 spend; ₹700 off round-trip flight on ₹7,000 spend; ₹700 off domestic hotel on ₹4,000 spend

Forex Benefits International Transactions: Available
Forex Markup: Specific SWYP forex markup not stated on current official SWYP product page

Shopping Benefits

Online Shopping Amazon: ₹500 welcome voucher subject to ₹5,000 spend
Lenskart: 1-year Gold Max Membership
Mokobara: 10% off first transaction
Partner Discounts: Year-round offers including Nykaa, TATA CLiQ and others

Brand Offers Instant Discounts: Up to 20% on feature partners
Categories: Travel, dining, shopping and other categories
Merchant Offers: 300+

EMI Offers EMI Conversion: Easy EMI conversion of eligible transactions/balance
Conversion Fee: Flat monthly conversion fee
Merchant EMI: Available

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% waiver
Eligible Transaction Amount: ₹200 to ₹5,000
Maximum Waiver: ₹200 per statement cycle

Dining & Entertainment

Dining Dining Benefits: Year-round merchant/feature-partner offers including Zomato and other dining/food merchants

Movies Discount: 25% discount
Maximum Discount: ₹100
Frequency: Once every month
Platform: District by Zomato
Condition: Spend-active condition applies

Entertainment Entertainment Benefits: Movie discount and merchant entertainment offers

Lifestyle Benefits

Wellness Wellness Benefit: Lenskart Gold Max Membership for 1 year as a welcome benefit

Daily Spending Benefits

Utility Bills Utility Bills Benefit: No specific SWYP cashback/benefit stated

Grocery Grocery Benefit: Feature/merchant offers may apply; specific grocery cashback not stated

Rent Payments Rent Benefit: No specific SWYP rent benefit stated

Insurance Payments Insurance Payment Benefit: No specific SWYP insurance-premium reward stated

Education ₹20,000 Education Spend: 400 Reward Points per billing cycle
₹40,000 Education Spend: 800 Reward Points total per billing cycle

Insurance & Protection

Insurance Personal Accident Insurance: Up to ₹2 lakh

Card Security Lost Card Liability Protection: Up to ₹25,000 for unauthorised spends after loss/theft

Digital Features

Payments UPI: FIRST Digital UPI Credit Card can be activated separately
UPI Reward: 100 Reward Points for every ₹5,000 UPI spend per statement month
UPI Exclusions: Fuel and rent

Mobile Wallet Supported Wallets: Google Pay, PhonePe, Paytm and BHIM UPI

Banking Features Mobile Banking App: IDFC FIRST Mobile Banking App
Features: Card controls, online transaction activation, EMI conversion and card management

Add-on Features

EMI Features EMI Conversion: Eligible transaction/statement balance conversion
Conversion Fee: Flat monthly EMI conversion fee
Foreclosure: Foreclosure fee applicable where applicable

Bill Payments Auto Debit: Payment/Auto-Debit facility available
Payment Return Charges: Applicable as per MITC

Fees & Charges

Joining Charges Joining Fee: ₹499 + GST

Annual Charges Annual Fee: ₹499 + GST from second year onwards
Annual Fee Benefit: 2,000 Reward Points worth ₹500 on spending ₹5,000 within 45 days of annual fee levy

Finance Charges SWYP Revolving Interest: Not applicable; eligible balances must be paid in full or converted to EMI
Late Payment: 15% of applicable Total Amount Due, minimum ₹100
Maximum Late Payment Charge: ₹6,000

Cash Advance Charges Cash Withdrawal Fee: ₹199 + GST per transaction
Maximum Cash Withdrawal: ₹10,000 per transaction

EMI Charges EMI Facility: Yes; eligible transactions/balance can be converted to EMI
Flat Monthly EMI Conversion Fee: Dynamic based on transaction amount/tenure
SWYP Balance Conversion Interest: No interest on SWYP regular balance-conversion EMI
Merchant EMI: Applicable merchant interest + one-time processing fee

Other Charges Card Replacement Fee: ₹199
Reward Redemption Fee: ₹99 + applicable taxes per redemption
Over-limit Charge: 2.5% of over-limit amount, minimum ₹550 where applicable

Customer Support

Service Customer Support: IDFC FIRST Bank customer support and mobile banking support

Emergency Services Roadside Assistance: 24/7 complimentary assistance
Frequency: Up to 4 times per year
Stated Value: ₹1,399

Performance & Ratings

Best Usage Best For: Online Shopping, Lifestyle, EMI Purchases, Dining, Travel Offers, Movies and Fuel

Advantages Advantages:
Low annual fee
Milestone rewards
No revolving interest concept
Flexible EMI conversion
Railway lounge access
Movie discount
Fuel surcharge waiver
Roadside assistance
Personal accident cover
Lost-card liability protection
Merchant discounts

Limitations Limitations:
₹499 + GST annual fee
Railway lounge requires qualifying spend
Monthly milestone rewards are non-incremental
Fuel, railway, FASTag, cash withdrawal etc. are excluded from normal monthly milestone calculation
Reward redemption fee applies
Merchant offers can change