Unlock Rewards with IDFC FIRST SWYP Credit Card

Overview about the IDFC FIRST SWYP Credit Card

The IDFC FIRST SWYP Credit Card is an innovative offering from IDFC FIRST Bank, designed to cater to the unique lifestyle needs of Gen Z and young adults. This credit card, a result of the collaboration between IDFC FIRST Bank and Mastercard, aims to provide a perfect blend of affordability, convenience, and enhanced customer engagement.

With its focus on lifestyle-related offers, payment flexibility, and attractive referral benefits, the IDFC FIRST SWYP Credit Card is tailored to meet the diverse requirements of its target audience. Let's dive deeper into the benefits and features of the IDFC FIRST SWYP Credit Card.

Benefits & Features of the IDFC FIRST SWYP Credit Card

The IDFC FIRST SWYP Credit Card comes packed with a host of benefits and features that make it an attractive choice for young individuals. From welcome benefits to ongoing rewards and discounts, this card offers a range of perks to enhance the cardholder's experience.

Welcome Benefits

Upon signing up for the IDFC FIRST SWYP Credit Card, new cardholders can enjoy several enticing welcome benefits:

Reward Points: By spending ₹5,000 or more within the first 30 days of card issuance, customers receive 2000 reward points worth ₹500.
Discounts on Travel and Hospitality: New cardholders can avail discounts such as ₹500 off on one-way domestic flights, ₹700 off on round-trip domestic flights, and ₹700 off on domestic hotel bookings via EaseMyTrip, valid for 3 months from card issuance.
Complimentary Lenskart Gold Membership: As part of the joining benefits, cardholders receive a yearly Lenskart Gold Membership worth ₹600.

Other Benefits

In addition to the welcome benefits, the IDFC FIRST SWYP Credit Card offers a range of ongoing benefits and features that make it a valuable addition to your wallet:

Monthly Milestone Rewards: Cardholders are rewarded for their spending milestones each month. They receive:
- 200 reward points on spending ₹5,000
- 500 reward points on spending ₹10,000
- 1000 reward points on spending ₹15,000
EMI Conversion: Large purchases can be conveniently converted into easy fee-based EMIs without any interest charges or processing fees. Only a monthly EMI flat conversion fee and applicable GST are charged.
Referral Program: The card boasts a robust referral program that offers benefits such as fee waivers, cashback, bonus reward points, movie discounts, and complimentary lounge access, depending on the number of successful referrals made by the cardholder.
Fuel Surcharge Waiver: Cardholders can save on fuel expenses with a 1% fuel surcharge waiver of up to ₹200 every month when refilling fuel at select fuel stations across India.
Railway Lounge Access: Enjoy exclusive access to railway lounges across the country, where you can relax in comfortable seating and enjoy complimentary refreshments.
Roadside Assistance: In case of car troubles like a flat tire, the card offers complimentary roadside assistance, ensuring prompt professional help when you need it most.
Discounts and Offers: Cardholders can avail discounts starting from 10% on popular brands such as Dominos, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato. Additionally, they can enjoy up to 20% off on leading online portals and brands.
Movie Vouchers and Other Benefits: The card also offers movie vouchers worth ₹2000, cashback of ₹2500, and four complimentary domestic airport lounge accesses, among other benefits.
Annual Fee and Subscription Benefits: The IDFC FIRST SWYP Credit Card comes with an annual fee of ₹499, and customers can enjoy benefits worth more than ₹20,000 on subscription.

Key Highlights of the IDFC FIRST SWYP Credit Card

The IDFC FIRST SWYP Credit Card comes packed with a range of exciting features and benefits that make it an attractive choice for those looking to maximise their spending power and enjoy exclusive perks.

Here are the key highlights of the IDFC FIRST SWYP Credit Card at a glance:

Discounts of up to 20% on popular brands and online platforms
Easy EMI conversion for purchases over ₹2,500
Rewarding referral program with multiple benefits
Milestone-based reward points system
Fuel surcharge waiver of up to ₹200 per month
Access to exclusive railway lounges and roadside assistance
Complimentary Lenskart Gold Membership and other joining benefits

Fees and Charges of the IDFC FIRST SWYP Credit Card

While the IDFC FIRST SWYP Credit Card offers a range of attractive benefits, it's essential to understand the fees and charges associated with the card to make an informed decision.

Here's a breakdown of the key fees and charges:

Fee Type	Amount	Description
Annual Fee	₹499	Payable every year to maintain the card's benefits
EMI Conversion Fee	Starting at ₹49 + GST	Based on the transaction amount and chosen tenure
Foreclosure Fee	Variable	Applicable if the EMI is foreclosed before the completion of tenure
Fuel Surcharge Waiver	Up to ₹200 per month	Applicable on fuel refills at select fuel stations
GST	Applicable on EMI fees	As per government regulations

Eligibility of the IDFC FIRST SWYP Credit Card

To apply for the IDFC FIRST SWYP Credit Card, individuals must meet certain eligibility criteria. These requirements ensure that applicants have a stable financial profile and can manage the responsibilities that come with owning a credit card.

Criteria	Requirement
Age	21 to 60 years old
Monthly Income	Minimum ₹20,000
Citizenship	Indian citizen
Credit Score	Good credit score (700+) is preferred

IDFC FIRST SWYP Credit Card Activation Process

Activating your IDFC FIRST SWYP Credit Card is a simple and quick process that can be done through various methods.

Here's how you can activate your card:

IDFC FIRST Bank App:
- Log in using your customer ID on the IDFC FIRST Bank App, which you would have received via SMS when you got your credit card.
- Navigate to the 'Manage Card' section under the Credit Card tab.
- Now, enable your card for online, contactless, and international transactions based on your preferences.
- Generate a 4-digit PIN.
Customer Care:
- Call the 24-hour helpline at 1860 500 1111. Follow the instructions provided by the customer care representative to activate your card and set your PIN.