IDFC FIRST SWYP Credit Card

The IDFC FIRST SWYP Credit Card has a membership fee of Rs 499, and it offers discounts of up to 20% on some well-known online portals and brands along with benefit rewards based on monthly spending milestones. This card earns you rewards on certain monthly milestones unlike most credit cards that reward you for every spend; hence, you earn a decent rewards rate on expenses incurred. It earns rewards for UPI transactions, but you'll need to activate the FIRST Digital UPI RuPay card to enable that for an additional annual charge of Rs 199. The card has an interesting refer scheme: a successful reference can lead to offers such as fee waiver, cashback, bonus rewards, movie discounts, and free lounge access but may not be used entirely by all cardholders.

IDFC Swyp Credit Card Benefits

1. Save 25% on movie tickets (up to Rs 100) and more throughout the year at your favorite stores, including Domino's, EaseMyTrip, SUGAR Cosmetics, TATA CliQ, and Zomato.
2. Spend Rs 5,000 to receive 2,000 Reward Points worth Rs 500, and within 30 days of your first EMI conversion, you will receive an extra 1,000 Reward Points worth Rs 250.
3. Get a free Lenskart Gold Membership and Rs 2,100* in EaseMyTrip discount coupons.
4. For just Rs 199+GST, you may enable UPI and receive Rs 200 in cashback* in addition to other benefits.
5. Convert your purchases into affordable EMIs with monthly payments starting as low as Rs 49+GST, depending on transaction volume.
6. Receive 2,000 Reward Points worth Rs 500 when you spend Rs 5,000 within 45 days of paying the annual charge for the renewal offer.
7. Enjoy free roadside assistance worth Rs 1,399, personal accident cover of Rs 200,000, and lost card liability cover of Rs 25,000.
8. Benefit from a 1% fuel surcharge waiver up to Rs 200.
9. Avail 4 complimentary railway lounge visits per quarter.
10. Refer FIRST SWYP to your friends and receive benefits such as subscription fee waivers and airport lounge access.
11. All these perks for an annual subscription fee of Rs 499+GST.
12. Pay your statement balance in full or convert eligible purchases into EMI; no option to revolve.

IDFC FIRST Credit Card Offers

IDFC Swyp Credit CardLounge Access

IDFC credit card gives you railway lounge access which includes:

• Get four free passes to the railway lounge every three months, for a total of 16 free passes per year.
• Benefits include free WIFI, a cozy AC seating room, two hours of leisure time, unlimited tea and coffee, and a complimentary buffet lunch.

IDFC FIRST Bank’s Refer & Earn Program

Customers of IDFC FIRST Bank with the FIRST SWYP Credit Card can increase their rewards by telling their friends and family about the card.

1. For 1 referral: Waiver of subscription fee
2. For 3 referrals: 4,000 reward points
3. For 5 referrals: EMI fee waiver up to Rs 1,500
4. For 7 referrals: Movie vouchers worth Rs 2,000
5. For 9 referrals: Cashback of Rs 2,500
6. For 10 referrals: Four complimentary domestic airport lounge accesses

How to refer to IDFC Swyp Credit Card?

1. Go to the referral page and enter your registered phone number to get a unique referral link.
2. Copy the referral link and share it with others, allowing them to apply for the FIRST SWYP Credit Card.
3. Once they complete their application, generate a new SWYP card and start using it. You can then avail the referral benefits.

IDFC FIRST SWYP Credit Card Fee & Charges

How to apply for an IDFC FIRST SWYP Credit Card?

Here's a step-by-step guide on how to apply for the IDFC FIRST SWYP Credit Card:

1. Go to IDFC FIRST Bank's official website and select the IDFC FIRST SWYP Credit Card option.
2. Find the "Apply Now" button on the page and click it.
3. Fill in the application form. Enter your personal, financial, and employment details accurately.
4. Provide scanned copies of your identity proof (PAN card, Aadhaar card, or passport), address proof (passport, driving license, utility bill, or bank statement), and income proof (salary slip or ITR).
5. Once you've filled in all the details and uploaded the documents, click on the "Submit" button.

IDFC Swyp Credit Card Eligibility

1. Be between 18 and 60 years old
2. Have a minimum annual income of R 2.5 lakh
3. Have a stable income from employment as a salaried or self-employed individual
4. Provide proof of identity, address, and income

Documents Required for IDFC Swyp Credit Card