IDFC FIRST SWYP Credit Card
IDFC FIRST SWYP Credit Card Features and Benefits
The following are the key features and benefits of the IDFC SWYP card:
- Get discounts starting from 10% on IDFC’s feature partners (Domino’s, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, Zomato) and many other merchants.
- Get travel discount coupons worth Rs. 2,100 from EaseMyTrip as a welcome gift on payment of the joining fee.
- Get 2,000 reward points (worth Rs. 500) on spending at least Rs. 5,000 within 30 days of card issuance.
- Purchase anything above Rs. 2,500 with a single swipe and split the payment into easy EMIs or pay in full at your convenience.
- The transactions can be converted into easy EMIs with a monthly flat fee for EMI conversion.
- Earn 1,000 reward points on your first successful EMI conversion within first 30 days from card issuance.
- Get a complimentary 1-year Lenskart Gold Membership worth Rs. 600 on joining/ subscription fee payment.
- Get 1% fuel surcharge waiver (up to Rs. 200 per month).
- Get 4 complimentary railway lounge access per quarter.
- Avail of a 25% discount on movie tickets.
- Get Complimentary Roadside Assistance worth Rs. 1,399.
- Refer 1 person for subscription fee waiver, 3 persons for 4000 reward points, 5 persons for EMI fee waiver of up to Rs. 1,500, 7 persons for movie ticket voucher of Rs. 2,000, 9 persons for Rs. 2,500 cashback, and 10 persons for 4 complimentary domestic airport lounge access.
- Facility to make IDFC credit card bill payment online.
- Get access to an additional 300+ merchant offers on all your favourite categories, all year round.
- Invite your friends and family to join the SWYP tribe and earn referral benefits worth Rs. 11,000+.
*You can call the IDFC Credit Card Customer Care Number for more details about the card’s features and benefits.
IDFC FIRST SWYP Credit Card Fees & Charges
| Joining fee (1st year) | Rs. 499 + GST |
|---|---|
| Annual subscription fee (2nd year onwards) | Rs. 499 + GST |
| Reward redemption fee | Rs. 99 + applicable taxes (per redemption transaction) |
| Cash advance fee | Rs. 199 + GST (per transaction) |
| Late payment charges | 15% of the Total Amount Due minus any payments received before the due date (minimum Rs. 100 & maximum Rs. 3,000) |
| Over-limit charges | 2.5% of the over-limit amount (minimum Rs. 550) |
| Return of cheque/ auto-debit SI/ payment return | 2% of the payment amount (minimum Rs. 500) |
| Card replacement fee | Rs. 100 |
| Balance transfer processing fee | Communicated at the time of the transaction |
| Markup charges on foreign currency transactions/ dynamic & static currency conversion transactions | 3.50% |
| Rent & property management fee | 1% of transaction value (minimum Rs. 249 per transaction) |
| Fair usage on utility spends | Up to 1% surcharge on aggregate utility transaction value in a statement cycle |
| Goods and Service Tax (GST) | As notified by the Government of India (presently 18%) applicable on all fees, interest & other charges |
IDFC FIRST SWYP Credit Card Eligibility and Document Required
To be eligible for the IDFC FIRST SWYP Credit Card, you must meet the following IDFC credit card application eligibility criteria:
- You must be at least 18 years old.
- You must be salaried or self-employed.
- You must be an Indian or non-resident Indian.
- You must have a stable source of income. The minimum income requirement varies depending on the variant.
- You can also refer people to apply for the IDFC SWYP credit card.
Once you meet the above eligibility criteria, you will be required to submit or upload scanned copies of the following documents to apply for the IDFC FIRST SWYP Credit Card:
- Identity proof: Aadhaar Card, PAN Card, or Passport
- Address proof: Driving License, Passport, Utility Bill, or Bank Statement
- Income proof: Salary Slips or ITR
How to Apply IDFC FIRST SWYP Credit Card?
You can follow a simple five-step process given below to apply for the FIRST SWYP Credit Card:
- Fill out the application form for the card through the IDFC First Bank’s app or website.
- Provide the required information.
- Submit the required documents such as your identity-related documents, address, and income proof.
- Submit the application form.
- Once your application form has been approved, you will receive your FIRST SWYP Credit Card at your registered address.
You can check your IDFC credit card application status online once you have successfully applied for the card.
IDFC FIRST SWYP CREDIT CARD FAQs.
FIRST SWYP Credit Card is an entry-level credit card which offers you savings options on your shopping, travel, food and lifestyle-related spending. This card saves you money through brand discounts and rewards based on your monthly card spending. You can also get an additional digital RuPay card variant with a SWYP card by paying a low annual fee.
The annual charge for FIRST SWYP credit card is Rs. 499 + GST.
Paying the joining fee for a new FIRST SWYP Credit Card comes with the following joining benefits:
- 2000 reward points (worth Rs. 500 on spending Rs. 5,000 within the first 30 days from card issuance.
- 1000 reward points on the first successful EMI transaction within the first 30 days from card issuance.
- Up to Rs. 700 discount on EaseMyTrip flight and hotel bookings for 3 months. A total discount of Rs. 2,100 can be availed in 3 months.
Complimentary 1-year Lenskart Gold Membership.
With the IDFC FIRST SWYP Card, customers can either pay the statement balance in full or convert their eligible balances into convenient EMIs. There is no credit revolve concept.
Yes, you can withdraw cash from your IDFC FIRST SWYP credit card at any ATM in India or abroad by paying a cash advance fee of Rs. 199 + GST (per transaction).
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