IDFC Bank FIRST SWYP Credit Card, Rewards and Benefits, Joining Fees Charges, Apply Online
IDFC Bank FIRST SWYP Credit Card: Introducing the FIRST SWYP Credit Card by IDFC Bank, a trailblazing addition to the Indian credit card landscape. Catering to the tech-savvy and budget-conscious, this card offers a plethora of benefits tailor-made for the younger generation. With enticing reward points and exclusive discounts on popular brands such as Tata CLiQ, Zomato, and Dominos, it’s a must-have for those seeking value and convenience.
What sets this card apart is its unique payment structure. At the end of each billing cycle, you have the option to either pay the total amount due or convert it into easy EMI spends. Unlike traditional credit cards that often come with hefty interest rates, the FIRST SWYP Credit Card ensures you won’t be burdened with exorbitant charges. In case you’re unable to clear your dues in one go, simply convert your spends into flexible EMIs, starting from a tenure of 3 months with a minimum transaction of Rs. 2,500.
Furthermore, this innovative offering can be seamlessly linked to your UPI apps, enhancing its versatility and accessibility. With a nominal joining fee of Rs. 499, the FIRST SWYP Credit Card provides exceptional value without breaking the bank.
As for the co-branded offering by HDFC and Paytm, it remains to be seen how it stacks up against the unique features and benefits of the FIRST SWYP Credit Card. However, with its focus on catering to the evolving needs of today’s consumers, it’s sure to make waves in the market.
| Fees | Joining Fee- Rs. 499 + GST Renewal Fee- Rs. 499 + GST |
| Best Suited For |
Movies | Travel | Shopping |
| Reward Type | Reward Points |
| Welcome Benefits |
1,000 RPs on First EMI Transaction, 1 Year Lenskart Gold Membership & 1-Year Times Prime Membership
|
Rewards and Benefits
- Enchanting Movie Moments: Embark on cinematic escapades with exclusive privileges that await. Enjoy a generous 25% discount on movie tickets, ensuring that every movie night is nothing short of magical. Let your favorite stars dazzle you on the big screen while you revel in the savings.
- Rewarding Your Spends: Unlock a treasure trove of rewards with every swipe. Earn 200 Reward Points on spends of Rs. 5,000, 500 Reward Points on spends of Rs. 10,000, and a grand 1,000 Reward Points on spends of Rs. 15,000. With rewards that escalate with your spending, the journey to indulgence has never been more rewarding.
- Seamless Redemption: Savor the freedom of choice with our versatile reward redemption options. Redeem your accumulated Reward Points effortlessly at IDFC First Rewards, or opt for the convenience of the Pay With Points facility, allowing you to indulge in your desires with unparalleled ease.
- Luxury in Transit: Elevate your travel experiences with complimentary access to Railway Lounges, offering a sanctuary of comfort and luxury at every stop. Enjoy the tranquil ambiance and premium amenities as you await your next journey, knowing that luxury awaits at your fingertips.
- Comprehensive Insurance Covers: Rest easy with complimentary insurance covers provided with your card. From unforeseen mishaps to lost or stolen cards, our comprehensive insurance package ensures that you’re always protected, no matter where life takes you.
- Zero Liability Protection: Experience peace of mind with our Zero Liability Protection. In the unfortunate event of fraudulent transactions, rest assured that you won’t be held liable if you report your lost or stolen card to the bank promptly.
Fees & Charges
- Embrace a world of unmatched benefits and indulgence with the IDFC First Rewards Credit Card, meticulously designed to elevate every aspect of your lifestyle. From seamless transactions to enticing rewards, this card promises an unparalleled experience like no other.
- Seamless Rewards Redemption: Unlock the gateway to a treasure trove of rewards with the IDFC First Rewards Credit Card. Seamlessly redeem your accumulated Reward Points for a plethora of exciting offerings, all at the nominal fee of just Rs. 99. With our user-friendly redemption process, indulging in your desires has never been more effortless.
- Global Convenience with Minimal Markup: Embark on international adventures with confidence, knowing that your foreign currency transactions are managed seamlessly with just a 3.5% markup. Whether you’re exploring the bustling streets of Tokyo or unwinding on the pristine beaches of Bali, enjoy the convenience of global access without compromising on savings.
- Fuel Your Journeys with Savings: Hit the road with confidence and savings in tow. Enjoy a 1% fuel surcharge waiver at all fuel stations across India, providing you with up to Rs. 200 in savings every month. Whether you’re embarking on a road trip or simply commuting to work, fuel your journeys with unparalleled convenience and savings.
- Seamless Cash Access: Embrace the convenience of cash access with minimal charges. With a nominal transaction fee of just Rs. 199, enjoy the freedom to access cash whenever and wherever you need it. Say goodbye to unnecessary hurdles and hello to unparalleled convenience.
- Indulge in Security and Peace of Mind: Rest easy with our comprehensive security measures. With zero liability protection, you can be assured that you won’t be held accountable for any fraudulent transactions if your card is reported lost or stolen. Enjoy peace of mind knowing that your finances are safeguarded at all times.
- Join the Elite Circle: Experience the epitome of luxury living with the IDFC First Rewards Credit Card. Indulge in a world where convenience, savings, and rewards converge to create an unparalleled experience tailored to your discerning tastes and lifestyle preferences. Welcome to a world where every indulgence is a celebration – welcome to the IDFC First Rewards Credit Card.
Product Details
- SwiftEASE Credit Card from IDFC Bank, an innovative and accessible option in the realm of credit cards. Boasting a modest joining fee of just Rs. 499, this card opens doors to a world of convenience and perks tailored to your lifestyle.
- One standout feature of the SwiftEASE Credit Card is its effortless conversion of purchases into EMIs. Say goodbye to financial stress with the flexibility to spread your payments over time, ensuring that managing expenses remains hassle-free.
- Travel in style with complimentary access to railway lounges, adding a touch of luxury to your journeys. Whether you’re a frequent traveler or just enjoy the occasional getaway, this perk enhances your travel experience without added costs.
- Furthermore, the SwiftEASE Credit Card rolls out the red carpet with a host of welcome benefits, making you feel valued from the moment you become a cardholder. From exclusive discounts to special offers, your journey with SwiftEASE begins with a warm welcome.
- As you explore the myriad benefits of the SwiftEASE Credit Card, you’ll discover a world of convenience, affordability, and rewards designed to elevate your financial experience. Join the SwiftEASE family today and embark on a seamless journey towards financial freedom
Pros/Cons
Here’s a fresh take on the pros and cons of the featured credit card:
Pros
- Unlock a treasure trove of welcome benefits with this card, including a complimentary Lenskart Gold membership, 1,000 Reward Points to kickstart your journey, and a complimentary Times Prime membership, offering access to a plethora of premium services.
- Enjoy the perks of owning this card without breaking the bank, as it comes with an affordable joining and annual charge of just Rs. 499, making it accessible to a wide range of consumers.
Cons
- While the card provides complimentary access to railway lounges, accessing airport lounges requires meeting specific referral criteria, which might pose a limitation for frequent flyers seeking airport lounge privileges.
- Unlike some other cards that allow minimum amount due payments, this card mandates either paying the full amount due by the due date or converting the pending balance into EMI. This lack of flexibility in payment options could potentially inconvenience cardholders managing their finances.
FIRST SWYP Credit Card Features
Elevate your lifestyle and unlock a world of exclusive privileges with the IDFC FIRST SWYP Credit Card, tailor-made for the discerning tastes of the young and dynamic. From travel to entertainment and beyond, this card offers a myriad of benefits to enrich every aspect of your life.
Welcome to a World of Delights
Upon joining, immerse yourself in luxury with a complimentary Lenskart Gold membership, providing access to premium eyewear solutions. Additionally, kickstart your journey with 1,000 Reward Points on your first EMI transaction within 30 days, setting the stage for a rewarding experience from the onset. As you embark on your cardholder journey, indulge in a 1-year Times Prime membership upon spending Rs. 30,000 within 90 days, unlocking a plethora of lifestyle benefits.
Indulge in Luxury While You Travel
Experience the epitome of comfort and convenience with 4 free railway lounge access each quarter. Delight in unlimited tea and coffee, 2 hours of lounge stay, comfortable seating with AC, complimentary WIFI, and even a free buffet meal, ensuring that your travel experiences are nothing short of extraordinary.
Seamless Entertainment Experiences
Elevate your movie nights with exclusive offers on Paytm. Enjoy a generous 25% discount up to Rs. 100 on movie tickets each month, ensuring that every cinematic experience is marked by savings and delight. Simply use the promo code IDFCCCFM to avail of this offer and immerse yourself in the magic of the silver screen.
Empowering UPI Transactions
Embrace the convenience of UPI transactions with the IDFC FIRST SWYP Credit Card. Earn 100 Reward Points on spends of Rs. 5,000 on UPI transactions, unlocking a world of rewards with every transaction. For this facility, a nominal charge of Rs. 199 + GST per annum applies, ensuring that you enjoy seamless transactions with unparalleled benefits.
On-Road Assistance at Your Fingertips
Experience peace of mind on the go with roadside assistance (RSA) worth Rs. 1,399 four times a year, courtesy of Global Assure. Whether you’re commuting to work or embarking on a road trip, rest assured knowing that assistance is just a call away.
Rewarding Your Spending Habits
Earn Reward Points effortlessly with monthly milestone spends. From 200 Reward Points on monthly spends of Rs. 5,000 to 1,000 Reward Points on monthly spends of Rs. 15,000, enjoy rewards that escalate with your spending. Additionally, earn 400 Reward Points on a minimum rental spend of Rs. 20,000 in a month, ensuring that every milestone is celebrated with enticing rewards.
Referral Rewards Await
Share the luxury with your loved ones and reap the rewards. Earn up to ₹11,299 worth of benefits through successful referrals, ensuring that the benefits of the IDFC FIRST SWYP Credit Card extend beyond your own experiences.
Join the elite circle and embark on a journey defined by luxury, convenience, and unparalleled rewards. With the IDFC FIRST SWYP Credit Card, indulge in a lifestyle that transcends boundaries and celebrates the finer things in life.
| Number of Referrals | Benefit | Value of Benefit |
| 1 | Waiver of Annual Charges | ₹499 |
| 3 | Bonus of 4,000 Reward Points | ₹1,000 |
| 5 | Waiver of EMI Fees Up to ₹1,500 | ₹1,500 |
| 7 | Movie Vouchers Worth ₹2,000 | ₹2,000 |
| 9 | Cashback of ₹2,500 | ₹2,500 |
| 10 | 4 Free Domestic Airport Lounge Access | ₹3,800 |
Additional Discounts on Featured Partners
IDFC Bank FIRST SWYP Credit Card: Elevate Your Lifestyle with Exclusive Privileges
Experience a world of unparalleled privileges and benefits with the IDFC Bank FIRST SWYP Credit Card, crafted to cater to the diverse needs and desires of the modern generation. From dining to travel and beyond, this card offers a plethora of exclusive perks to enrich every facet of your life.
Unlock Additional Discounts with Featured Partners
Indulge in additional savings and offers with our featured partners on a monthly and quarterly basis. Enjoy tantalizing discounts from renowned brands such as Dominos, EaseMyTrip, Tata CLiQ, and Zomato, ensuring that every experience is marked by savings and delight.
Dominos Delights
Savor the taste of savings with a tempting 20% discount up to Rs. 80 on orders above Rs. 299 at Dominos. Indulge in your favorite pizzas and sides twice a month, knowing that your cravings are met with irresistible savings.
EaseMyTrip Escapes
Embark on unforgettable journeys with a 10% discount of up to Rs. 500 on bookings of hotels and flights above Rs. 5,000 at EaseMyTrip. Whether you’re planning a weekend getaway or a dream vacation, enjoy exclusive savings once each quarter.
Tata CLiQ Treats
Elevate your shopping experience with an instant 10% discount up to Rs. 100 on purchases above Rs. 999 at Tata CLiQ. Unleash your style and sophistication with premium fashion and lifestyle offerings, available once every month.
Zomato Delicacies
Indulge in culinary delights with a tempting 10% discount up to Rs. 100 on orders above Rs. 299 at Zomato. Whether you’re craving gourmet cuisine or comfort food, enjoy savings twice a month as you explore a world of gastronomic wonders.
Innovative Features for Enhanced Convenience
Experience unparalleled flexibility with innovative features such as the option to convert your spends into easy EMIs. Say goodbye to worries about minimum amount dues or interest charges, and embrace the freedom to shop and enjoy your lifestyle to the fullest.
Exclusive Benefits for Every Lifestyle
From complimentary railway lounge access up to 16 times a year to the opportunity to earn extra benefits up to Rs. 11,000 through referrals, the IDFC Bank FIRST SWYP Credit Card caters to every aspect of your lifestyle. Whether you’re a student, a frequent traveler, or a savvy shopper, this card offers introductory benefits, monthly rewards, and discounts on popular brands, ensuring that every moment is a celebration of luxury and convenience.
Apply now and unlock a world of possibilities with the IDFC Bank FIRST SWYP Credit Card. Share your thoughts on this exciting offering in the comments below, and embark on a journey defined by unparalleled benefits and rewards.
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