shopping
IDFC FIRST SWYP Credit Card
An EMI-centric lifestyle card combining monthly milestone rewards, merchant discounts and railway lounge access.
Annual Fee
₹499+GST joining and annual subscription fee
Rewards
Monthly milestone rewards up to 4,000 RP on ₹60,000 eligible monthly spend; 1 RP = ₹0.25; additional rewards on qualifying education, FASTag, railway and UPI spends
Lounge Access
4 railway lounge visits/quarter after ₹20,000 qualifying previous-month spend; airport lounge access is referral-based, not a standard card benefit
Fuel Waiver
1% on ₹200–₹5,000 fuel transactions, capped at ₹200/statement cycle
Milestone
Up to 4,000 RP on ₹60,000 monthly eligible spend
Best For
Users frequently converting purchases to EMI and using lifestyle partner offers
Welcome Offer
₹500 Amazon voucher after ₹5,000 spend plus EMI reward points and partner travel/membership offers
Type
Shopping
Description
FIRST SWYP is a ₹499+GST annual-subscription lifestyle and affordability card built around EMI conversion, partner discounts and monthly spend milestones. Cardholders can earn up to 4,000 reward points on ₹60,000 of eligible monthly spending, with one point worth ₹0.25, along with category-specific rewards on qualifying education, FASTag, railway and UPI spends. It provides four railway lounge visits per quarter after ₹20,000 spend in the preceding month and a 1% fuel surcharge waiver capped at ₹200 per statement cycle. The card also includes recurring discounts with brands such as Zomato, travel platforms and lifestyle merchants.
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