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REWARD POINTS CARD

FIRST SWYP Credit Card

IDFC FIRST Bank

Pay in full or convert purchases and statement balances into EMIs at a flat monthly fee, earn milestone Reward Points up to 4,000 a month, and get up to 20% instant discounts at feature partners plus zero forex markup.

The ₹499 + GST joining fee is paid upfront before dispatch. Balances cannot be carried over; unpaid Total Payable attracts late payment charges. Milestone rewards exclude education, fuel, FASTag, railway, cash and UPI spends.

FIRST SWYP Credit Card
ANNUAL FEE
₹499 + GST
JOINING FEE
₹499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Convert transactions or statement balances into EMIs at a flat monthly fee + GST, with no other interest or processing charges.
BEST FOR
Included: Cardholders who prefer to split large purchases into fixed EMIs at a flat monthly fee rather than carry a revolving.
Included: May suit those who prefer converting large purchases into EMIs at a flat monthly fee.
Included: May suit regular users of Zomato, Nykaa, Zepto, TATA CliQ or Goibibo who use monthly instant discounts.
Included: May suit those spending ₹20,000+ a month who use railway lounges.
Limitation: Spending mainly on fuel, education, FASTag, railway or cash withdrawals may wish to compare other cards.
Limitation: Those who want to carry a balance from month to month may wish to compare other cards.
Limitation: Those fuel-heavy or cash-withdrawal spending, which earns no Reward Points may wish to compare other cards.
Limitation: Those monthly eligible spends below ₹5,000, the first milestone may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Balances cannot revolve: pay the Total Payable by the due date or convert the eligible balance to EMI; otherwise late payment charges apply.
Condition: Milestone points are totals, not incremental: ₹16,000 of eligible spends in a month earns 1,000 Reward Points.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹499 + GST
Annual / renewal fee
₹499 + GST
Fee waived at
Not stated
Forex markup
0%
Finance charge
Not stated
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
4 visits per quarter — 4 complimentary visits per quarter at railway lounges across India · At participating railway lounges on the bank's eligible list; additional services are chargeable. · ₹20,000 spend within the current calendar month to access railway lounges in the following month
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on ₹200–₹5,000 transactions, up to ₹200 per statement cycle, at all fuel stations in India
Dining
10% off up to ₹100 on Zomato orders above ₹299 (code IDFCSWYP)
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Milestone rewards exclude education, fuel, FASTag, railway, cash withdrawal and UPI spends (education/FASTag/railway have a separate milestone); UPI rewards exclude fuel, cash and rental.; Fuel and cash withdrawals (excluded from both milestone and UPI rewards).
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
₹99
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Convert transactions or statement balances into EMIs at a flat monthly fee + GST, with no other interest or processing charges.
Included: Zero forex markup on international spends; paying in local currency avoids merchant DCC charges.
Included: Complimentary roadside assistance worth ₹1,399, up to 4 times a year, via Global Assure, for a spend-active card.
Included: Cover for an active card: personal accident ₹2,00,000, card liability ₹25,000, credit shield ₹50,000, purchase protection ₹25,000.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.