IDFC FIRST SWYP Credit Card
IDFC FIRST Bank introduces a credit card with exclusive benefits for Gen Z including discounts on Dominos, flights, hotels, Zomato, and movie tickets.
Top source-backed claims
Fuel: Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.
Save 25% on movie tickets (up to Rs 100) and more throughout the year at your favorite stores, including Domino's, EaseMyTrip, SUGAR Cosmetics, TATA C...
Spend Rs 5,000 to receive 2,000 Reward Points worth Rs 500, and within 30 days of your first EMI conversion, you will receive an extra 1,000 Reward Po...
Fees and waiver
Fuel: Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 2 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• High quality score (80) based on current website signals.
• Includes lounge-related benefits in the current card record.
• Has richer rewards and benefits detail than sparse card records.
Good fit if you want
• Travelers who value lounge access as part of card selection.
• Users comparing cashback or rewards-heavy cards.
Tradeoffs to verify
• Fee details are incomplete or not clearly stated in the current dataset.
• missing_rewards
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Not specified
Annual fee: Not specified
Quality score: 80 (High)
Sources used: 2
₹499; - 1,000 Reward Points on 1st successful EMI transaction - 1-year Times Prime Membership on spend of minimum ₹30,000 or more - Free Lenskart Gold Membership; Lifestyle; Mastercard
Eligibility & Documentation
Applicants must have a stable source of income to be eligible for this card.
Documents required
• Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other governme...
• Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account State...
• Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Rewards
Not available
Benefits
• Fuel: Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹200/month. Applicable only on transaction values between ₹200 & ₹5,000.
• Save 25% on movie tickets (up to Rs 100) and more throughout the year at your favorite stores, including Domino's, EaseMyTrip, SUGAR Cosmetics, TATA CliQ, and Zomato.
• Spend Rs 5,000 to receive 2,000 Reward Points worth Rs 500, and within 30 days of your first EMI conversion, you will receive an extra 1,000 Reward Points worth Rs 250.
• Get a free Lenskart Gold Membership and Rs 2,100* in EaseMyTrip discount coupons.
• For just Rs 199+GST, you may enable UPI and receive Rs 200 in cashback* in addition to other benefits.
• Convert your purchases into affordable EMIs with monthly payments starting as low as Rs 49+GST, depending on transaction volume.
• Receive 2,000 Reward Points worth Rs 500 when you spend Rs 5,000 within 45 days of paying the annual charge for the renewal offer.
• Enjoy free roadside assistance worth Rs 1,399, personal accident cover of Rs 200,000, and lost card liability cover of Rs 25,000.
Features
Not available
Lounge Access
• 4 free railway lounge access in a calendar quarter to participating lounges in India
Insurance
Not available
Pros
Not available
Cons
• Charges reward redemption fee of ₹99. Airport lounge access requires fulfilling referral criteria. No option of paying minimum amount from card statement.
Source Links
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