M16S / IDFC First Bank / IDFC FIRST SWYP Credit Card
entry · rewards
IDFC FIRST SWYP Credit Card
The IDFC FIRST SWYP Credit Card costs Rs 499 a year. It earns No per-rupee earn; points at monthly spend milestones. The forex markup is 0%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 499+ GST
- Fee waived at
- —
- Base return
- —
- Forex markup
- 0%
- Interest
- —
Apply on idfcfirst.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 499 |
|---|---|
| Annual fee | Rs 499 |
| Fee notes | Rs 499 + GST joining and annual (issuer listing). No spend waiver; aggregator says one successful referral waives the annual fee. |
Rewards
| Welcome benefitunverified | Issuer listing: joining benefits worth Rs 4,000. Aggregator: 1,000 points on first EMI within 30 days, Lenskart Gold Max for a year, travel coupons. |
|---|---|
| Reward currency | Reward Points |
| Base earn | No per-rupee earn; points at monthly spend milestones |
| Point valueunverified | 1 point = Rs 0.25 |
| Accelerated earnunverified | Monthly spend milestones (not cumulative): Rs 5,000 = 200 points; 10,000 = 500; 15,000 = 1,000; 30,000 = 2,000; 60,000 = 4,000 (aggregator) |
| Capsunverified | 4,000 points a month at Rs 60,000 spend |
| Spends that earn nothingunverified | Cash withdrawals, utilities and fuel do not count towards milestones (aggregator) |
| Reward notes | Best case about 1.67% at exactly Rs 15,000, 30,000 or 60,000 a month (e.g. 1,000 x 0.25 / 15,000). No revolving credit: you pay in full or convert to EMI at a flat monthly fee from Rs 49 + GST. base_return_pct null because earn is stepwise. |
Travel and perks
| Domestic loungeunverified | None (airport); 4 railway lounge visits per quarter (aggregator) |
|---|---|
| International lounge | None |
| Forex markupunverified | 0% |
| Fuel surcharge waiverunverified | 1% up to Rs 200 a month (aggregator) |
| Other freebies | 25% off movie tickets up to Rs 100 once a month; roadside assistance |
Charges and eligibility
| Late payment feeunverified | 15% of total amount due, min Rs 100, max Rs 1,300 |
|---|---|
| Cash advance fee | Rs 199 |
| Fine-print notes | No minimum-amount-due option and no interest rate: unpaid balances must be converted to EMI. Dedicated issuer page could not be reached. |
Questions
- What is the annual fee of the IDFC FIRST SWYP Credit Card?
- Rs 499 a year, before GST.
- Does the IDFC FIRST SWYP Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the IDFC FIRST SWYP Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IDFC FIRST SWYP Credit Card?
- Cash withdrawals, utilities and fuel do not count towards milestones (aggregator)